Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$227,340Cash toward the purchase price.
Closing costs + prepaids$12,276Not just lender fees.
Before credits & paid funds$239,616The complete starting cash picture.
Estimated remaining funds due at closing
$239,616No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,340.08
Your down payment$227,340.08
Closing costs + prepaids$12,275.62
Total buyer cash needed$239,615.70
Remaining funds due$239,615.70
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)$600.00
Prepaid interest, first (10 days)$201.62
Fees + prepaids$12,275.62
Your down payment is the seller’s equity. You take over the $272,560 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $239,615.70 is due at closing. Uses and sources reconcile at $512,175.62 each. Not a Closing Disclosure.