Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$218,140Cash toward the purchase price.
Closing costs + prepaids$14,049Not just lender fees.
Before credits & paid funds$232,189The complete starting cash picture.
Estimated remaining funds due at closing
$232,189No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$218,140.22
Your down payment$218,140.22
Closing costs + prepaids$14,048.69
Total buyer cash needed$232,188.91
Remaining funds due$232,188.91
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)$1,755.75
Initial HOA (3 months)$309.00
Prepaid interest, first (24 days)$518.94
Fees + prepaids$14,048.69
Your down payment is the seller’s equity. You take over the $280,860 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $232,188.91 is due at closing. Uses and sources reconcile at $513,048.69 each. Not a Closing Disclosure.