Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$215,328Cash toward the purchase price.
Closing costs + prepaids$13,217Not just lender fees.
Before credits & paid funds$228,546The complete starting cash picture.
Estimated remaining funds due at closing
$228,546No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,328.40
Your down payment$215,328.40
Closing costs + prepaids$13,217.18
Total buyer cash needed$228,545.58
Remaining funds due$228,545.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,000.00
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)$906.50
Initial HOA (3 months)$225.00
Prepaid interest, first (27 days)$610.68
Fees + prepaids$13,217.18
Your down payment is the seller’s equity. You take over the $284,672 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $228,545.58 is due at closing. Uses and sources reconcile at $513,217.18 each. Not a Closing Disclosure.