Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$282,059Cash toward the purchase price.
Closing costs + prepaids$14,390Not just lender fees.
Before credits & paid funds$296,449The complete starting cash picture.
Estimated remaining funds due at closing
$296,449No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$282,059.08
Your down payment$282,059.08
Closing costs + prepaids$14,390.29
Total buyer cash needed$296,449.37
Remaining funds due$296,449.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,040.00
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)$1,336.25
Initial HOA (3 months)$782.01
Prepaid interest, first (25 days)$757.03
Fees + prepaids$14,390.29
Your down payment is the seller’s equity. You take over the $221,941 balance, so the rest of the $504,000 price is paid at closing. A second mortgage can cover part of it. $296,449.37 is due at closing. Uses and sources reconcile at $518,390.29 each. Not a Closing Disclosure.