Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$223,806Cash toward the purchase price.
Closing costs + prepaids$12,864Not just lender fees.
Before credits & paid funds$236,670The complete starting cash picture.
Estimated remaining funds due at closing
$236,670No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,805.78
Your down payment$223,805.78
Closing costs + prepaids$12,863.97
Total buyer cash needed$236,669.74
Remaining funds due$236,669.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,000.00
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)$728.75
Prepaid interest, first (25 days)$660.22
Fees + prepaids$12,863.97
Your down payment is the seller’s equity. You take over the $276,194 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $236,669.74 is due at closing. Uses and sources reconcile at $512,863.97 each. Not a Closing Disclosure.