Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$235,206Cash toward the purchase price.
Closing costs + prepaids$12,428Not just lender fees.
Before credits & paid funds$247,635The complete starting cash picture.
Estimated remaining funds due at closing
$247,635No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,206.42
Your down payment$235,206.42
Closing costs + prepaids$12,428.25
Total buyer cash needed$247,634.67
Remaining funds due$247,634.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,899.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$360.50
Initial HOA (3 months)$180.00
Prepaid interest, first (31 days)$513.75
Fees + prepaids$12,428.25
Your down payment is the seller’s equity. You take over the $254,694 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $247,634.67 is due at closing. Uses and sources reconcile at $502,328.25 each. Not a Closing Disclosure.