Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$289,473Cash toward the purchase price.
Closing costs + prepaids$14,122Not just lender fees.
Before credits & paid funds$303,595The complete starting cash picture.
Estimated remaining funds due at closing
$303,595No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$289,473.10
Your down payment$289,473.10
Closing costs + prepaids$14,122.08
Total buyer cash needed$303,595.18
Remaining funds due$303,595.18
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)$1,814.00
Initial HOA (3 months)$261.00
Prepaid interest, first (26 days)$582.08
Fees + prepaids$14,122.08
Your down payment is the seller’s equity. You take over the $209,527 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $303,595.18 is due at closing. Uses and sources reconcile at $513,122.08 each. Not a Closing Disclosure.