Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$197,981Cash toward the purchase price.
Closing costs + prepaids$14,034Not just lender fees.
Before credits & paid funds$212,015The complete starting cash picture.
Estimated remaining funds due at closing
$212,015No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,980.81
Your down payment$197,980.81
Closing costs + prepaids$14,034.02
Total buyer cash needed$212,014.83
Remaining funds due$212,014.83
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)$1,247.50
Initial HOA (3 months)$702.00
Prepaid interest, first (24 days)$619.52
Fees + prepaids$14,034.02
Your down payment is the seller’s equity. You take over the $301,019 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $212,014.83 is due at closing. Uses and sources reconcile at $513,034.02 each. Not a Closing Disclosure.