Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$284,426Cash toward the purchase price.
Closing costs + prepaids$12,802Not just lender fees.
Before credits & paid funds$297,228The complete starting cash picture.
Estimated remaining funds due at closing
$297,228No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$284,426.46
Your down payment$284,426.46
Closing costs + prepaids$12,801.99
Total buyer cash needed$297,228.45
Remaining funds due$297,228.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$438.25
Prepaid interest, first (24 days)$898.74
Fees + prepaids$12,801.99
Your down payment is the seller’s equity. You take over the $214,574 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $297,228.45 is due at closing. Uses and sources reconcile at $511,801.99 each. Not a Closing Disclosure.