Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$233,533Cash toward the purchase price.
Closing costs + prepaids$12,536Not just lender fees.
Before credits & paid funds$246,069The complete starting cash picture.
Estimated remaining funds due at closing
$246,069No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,532.61
Your down payment$233,532.61
Closing costs + prepaids$12,536.33
Total buyer cash needed$246,068.94
Remaining funds due$246,068.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,199.00
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)$401.00
Prepaid interest, first (20 days)$461.33
Fees + prepaids$12,536.33
Your down payment is the seller’s equity. You take over the $286,367 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $246,068.94 is due at closing. Uses and sources reconcile at $532,436.33 each. Not a Closing Disclosure.