Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$243,684Cash toward the purchase price.
Closing costs + prepaids$12,374Not just lender fees.
Before credits & paid funds$256,058The complete starting cash picture.
Estimated remaining funds due at closing
$256,058No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,683.99
Your down payment$243,683.99
Closing costs + prepaids$12,374.26
Total buyer cash needed$256,058.25
Remaining funds due$256,058.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,890.00
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)$880.75
Initial HOA (3 months)$106.26
Prepaid interest, first (1 days)$22.25
Fees + prepaids$12,374.26
Your down payment is the seller’s equity. You take over the $245,316 balance, so the rest of the $489,000 price is paid at closing. A second mortgage can cover part of it. $256,058.25 is due at closing. Uses and sources reconcile at $501,374.26 each. Not a Closing Disclosure.