Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$240,973Cash toward the purchase price.
Closing costs + prepaids$12,268Not just lender fees.
Before credits & paid funds$253,241The complete starting cash picture.
Estimated remaining funds due at closing
$253,241No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$240,972.86
Your down payment$240,972.86
Closing costs + prepaids$12,267.66
Total buyer cash needed$253,240.52
Remaining funds due$253,240.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.00
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)$600.00
Prepaid interest, first (7 days)$193.66
Fees + prepaids$12,267.66
Your down payment is the seller’s equity. You take over the $258,927 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $253,240.52 is due at closing. Uses and sources reconcile at $512,167.66 each. Not a Closing Disclosure.