Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$196,766Cash toward the purchase price.
Closing costs + prepaids$12,946Not just lender fees.
Before credits & paid funds$209,711The complete starting cash picture.
Estimated remaining funds due at closing
$209,711No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,765.68
Your down payment$196,765.68
Closing costs + prepaids$12,945.58
Total buyer cash needed$209,711.26
Remaining funds due$209,711.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,945.00
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)$618.50
Initial HOA (3 months)$363.00
Prepaid interest, first (23 days)$544.08
Fees + prepaids$12,945.58
Your down payment is the seller’s equity. You take over the $297,734 balance, so the rest of the $494,500 price is paid at closing. A second mortgage can cover part of it. $209,711.26 is due at closing. Uses and sources reconcile at $507,445.58 each. Not a Closing Disclosure.