Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$283,305Cash toward the purchase price.
Closing costs + prepaids$13,655Not just lender fees.
Before credits & paid funds$296,960The complete starting cash picture.
Estimated remaining funds due at closing
$296,960No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$283,304.89
Your down payment$283,304.89
Closing costs + prepaids$13,655.03
Total buyer cash needed$296,959.91
Remaining funds due$296,959.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.99
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)$1,635.75
Prepaid interest, first (24 days)$544.29
Fees + prepaids$13,655.03
Your down payment is the seller’s equity. You take over the $216,694 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $296,959.91 is due at closing. Uses and sources reconcile at $513,654.03 each. Not a Closing Disclosure.