Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$250,349Cash toward the purchase price.
Closing costs + prepaids$12,292Not just lender fees.
Before credits & paid funds$262,641The complete starting cash picture.
Estimated remaining funds due at closing
$262,641No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,348.63
Your down payment$250,348.63
Closing costs + prepaids$12,292.07
Total buyer cash needed$262,640.70
Remaining funds due$262,640.70
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)$594.00
Prepaid interest, first (6 days)$273.07
Fees + prepaids$12,292.07
Your down payment is the seller’s equity. You take over the $244,651 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $262,640.70 is due at closing. Uses and sources reconcile at $507,292.07 each. Not a Closing Disclosure.