Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$263,732Cash toward the purchase price.
Closing costs + prepaids$12,701Not just lender fees.
Before credits & paid funds$276,433The complete starting cash picture.
Estimated remaining funds due at closing
$276,433No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,731.73
Your down payment$263,731.73
Closing costs + prepaids$12,701.19
Total buyer cash needed$276,432.92
Remaining funds due$276,432.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,950.00
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)$406.75
Initial HOA (3 months)$345.00
Prepaid interest, first (31 days)$524.44
Fees + prepaids$12,701.19
Your down payment is the seller’s equity. You take over the $231,268 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $276,432.92 is due at closing. Uses and sources reconcile at $507,701.19 each. Not a Closing Disclosure.