Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$204,829Cash toward the purchase price.
Closing costs + prepaids$13,404Not just lender fees.
Before credits & paid funds$218,233The complete starting cash picture.
Estimated remaining funds due at closing
$218,233No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,829.15
Your down payment$204,829.15
Closing costs + prepaids$13,403.75
Total buyer cash needed$218,232.90
Remaining funds due$218,232.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,950.00
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)$1,237.50
Prepaid interest, first (28 days)$741.25
Fees + prepaids$13,403.75
Your down payment is the seller’s equity. You take over the $290,171 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $218,232.90 is due at closing. Uses and sources reconcile at $508,403.75 each. Not a Closing Disclosure.