Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$246,581Cash toward the purchase price.
Closing costs + prepaids$12,725Not just lender fees.
Before credits & paid funds$259,306The complete starting cash picture.
Estimated remaining funds due at closing
$259,306No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$246,581.48
Your down payment$246,581.48
Closing costs + prepaids$12,724.58
Total buyer cash needed$259,306.06
Remaining funds due$259,306.06
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)$455.50
Prepaid interest, first (18 days)$844.08
Fees + prepaids$12,724.58
Your down payment is the seller’s equity. You take over the $248,419 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $259,306.06 is due at closing. Uses and sources reconcile at $507,724.58 each. Not a Closing Disclosure.