Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$285,596Cash toward the purchase price.
Closing costs + prepaids$12,624Not just lender fees.
Before credits & paid funds$298,219The complete starting cash picture.
Estimated remaining funds due at closing
$298,219No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$285,595.52
Your down payment$285,595.52
Closing costs + prepaids$12,623.59
Total buyer cash needed$298,219.10
Remaining funds due$298,219.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,899.00
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)$747.50
Prepaid interest, first (26 days)$502.09
Fees + prepaids$12,623.59
Your down payment is the seller’s equity. You take over the $204,304 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $298,219.10 is due at closing. Uses and sources reconcile at $502,523.59 each. Not a Closing Disclosure.