Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$187,619Cash toward the purchase price.
Closing costs + prepaids$13,241Not just lender fees.
Before credits & paid funds$200,860The complete starting cash picture.
Estimated remaining funds due at closing
$200,860No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,619.47
Your down payment$187,619.47
Closing costs + prepaids$13,240.74
Total buyer cash needed$200,860.21
Remaining funds due$200,860.21
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)$969.75
Initial HOA (3 months)$255.00
Prepaid interest, first (24 days)$641.99
Fees + prepaids$13,240.74
Your down payment is the seller’s equity. You take over the $302,281 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $200,860.21 is due at closing. Uses and sources reconcile at $503,140.74 each. Not a Closing Disclosure.