Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$296,033Cash toward the purchase price.
Closing costs + prepaids$13,538Not just lender fees.
Before credits & paid funds$309,571The complete starting cash picture.
Estimated remaining funds due at closing
$309,571No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$296,033.32
Your down payment$296,033.32
Closing costs + prepaids$13,537.85
Total buyer cash needed$309,571.18
Remaining funds due$309,571.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$1,277.75
Initial HOA (3 months)$315.99
Prepaid interest, first (24 days)$479.11
Fees + prepaids$13,537.85
Your down payment is the seller’s equity. You take over the $202,967 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $309,571.18 is due at closing. Uses and sources reconcile at $512,537.85 each. Not a Closing Disclosure.