Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$220,365Cash toward the purchase price.
Closing costs + prepaids$12,746Not just lender fees.
Before credits & paid funds$233,111The complete starting cash picture.
Estimated remaining funds due at closing
$233,111No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,364.59
Your down payment$220,364.59
Closing costs + prepaids$12,745.93
Total buyer cash needed$233,110.52
Remaining funds due$233,110.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.00
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)$563.00
Initial HOA (3 months)$222.00
Prepaid interest, first (22 days)$486.93
Fees + prepaids$12,745.93
Your down payment is the seller’s equity. You take over the $279,535 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $233,110.52 is due at closing. Uses and sources reconcile at $512,645.93 each. Not a Closing Disclosure.