Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$264,262Cash toward the purchase price.
Closing costs + prepaids$12,477Not just lender fees.
Before credits & paid funds$276,738The complete starting cash picture.
Estimated remaining funds due at closing
$276,738No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$264,261.72
Your down payment$264,261.72
Closing costs + prepaids$12,476.66
Total buyer cash needed$276,738.38
Remaining funds due$276,738.38
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)$436.75
Initial HOA (3 months)$114.00
Prepaid interest, first (20 days)$451.91
Fees + prepaids$12,476.66
Your down payment is the seller’s equity. You take over the $235,638 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $276,738.38 is due at closing. Uses and sources reconcile at $512,376.66 each. Not a Closing Disclosure.