Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$235,337Cash toward the purchase price.
Closing costs + prepaids$12,369Not just lender fees.
Before credits & paid funds$247,706The complete starting cash picture.
Estimated remaining funds due at closing
$247,706No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,336.63
Your down payment$235,336.63
Closing costs + prepaids$12,369.36
Total buyer cash needed$247,705.99
Remaining funds due$247,705.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,059.00
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)$356.50
Prepaid interest, first (20 days)$478.86
Fees + prepaids$12,369.36
Your down payment is the seller’s equity. You take over the $270,563 balance, so the rest of the $505,900 price is paid at closing. A second mortgage can cover part of it. $247,705.99 is due at closing. Uses and sources reconcile at $518,269.36 each. Not a Closing Disclosure.