Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$263,729Cash toward the purchase price.
Closing costs + prepaids$12,047Not just lender fees.
Before credits & paid funds$275,777The complete starting cash picture.
Estimated remaining funds due at closing
$275,777No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,729.15
Your down payment$263,729.15
Closing costs + prepaids$12,047.40
Total buyer cash needed$275,776.55
Remaining funds due$275,776.55
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 (1 days)$22.65
Fees + prepaids$12,047.40
Your down payment is the seller’s equity. You take over the $236,171 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $275,776.55 is due at closing. Uses and sources reconcile at $511,947.40 each. Not a Closing Disclosure.