Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$261,390Cash toward the purchase price.
Closing costs + prepaids$12,398Not just lender fees.
Before credits & paid funds$273,788The complete starting cash picture.
Estimated remaining funds due at closing
$273,788No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,389.74
Your down payment$261,389.74
Closing costs + prepaids$12,397.82
Total buyer cash needed$273,787.56
Remaining funds due$273,787.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,970.00
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)$596.50
Prepaid interest, first (10 days)$356.32
Fees + prepaids$12,397.82
Your down payment is the seller’s equity. You take over the $235,610 balance, so the rest of the $497,000 price is paid at closing. A second mortgage can cover part of it. $273,787.56 is due at closing. Uses and sources reconcile at $509,397.82 each. Not a Closing Disclosure.