Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$198,452Cash toward the purchase price.
Closing costs + prepaids$13,298Not just lender fees.
Before credits & paid funds$211,749The complete starting cash picture.
Estimated remaining funds due at closing
$211,749No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,451.60
Your down payment$198,451.60
Closing costs + prepaids$13,297.52
Total buyer cash needed$211,749.12
Remaining funds due$211,749.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,000.00
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)$298.75
Prepaid interest, first (29 days)$1,523.77
Fees + prepaids$13,297.52
Your down payment is the seller’s equity. You take over the $301,548 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $211,749.12 is due at closing. Uses and sources reconcile at $513,297.52 each. Not a Closing Disclosure.