Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$217,393Cash toward the purchase price.
Closing costs + prepaids$12,496Not just lender fees.
Before credits & paid funds$229,889The complete starting cash picture.
Estimated remaining funds due at closing
$229,889No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,393.38
Your down payment$217,393.38
Closing costs + prepaids$12,495.74
Total buyer cash needed$229,889.12
Remaining funds due$229,889.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,899.00
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)$517.00
Prepaid interest, first (27 days)$604.74
Fees + prepaids$12,495.74
Your down payment is the seller’s equity. You take over the $272,507 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $229,889.12 is due at closing. Uses and sources reconcile at $502,395.74 each. Not a Closing Disclosure.