Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$243,899Cash toward the purchase price.
Closing costs + prepaids$12,875Not just lender fees.
Before credits & paid funds$256,774The complete starting cash picture.
Estimated remaining funds due at closing
$256,774No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,899.46
Your down payment$243,899.46
Closing costs + prepaids$12,875.00
Total buyer cash needed$256,774.46
Remaining funds due$256,774.46
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)$1,274.75
Prepaid interest, first (5 days)$126.25
Fees + prepaids$12,875.00
Your down payment is the seller’s equity. You take over the $256,001 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $256,774.46 is due at closing. Uses and sources reconcile at $512,775.00 each. Not a Closing Disclosure.