Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$194,319Cash toward the purchase price.
Closing costs + prepaids$13,200Not just lender fees.
Before credits & paid funds$207,519The complete starting cash picture.
Estimated remaining funds due at closing
$207,519No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,319.09
Your down payment$194,319.09
Closing costs + prepaids$13,199.83
Total buyer cash needed$207,518.91
Remaining funds due$207,518.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,900.00
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)$898.25
Initial HOA (3 months)$110.01
Prepaid interest, first (28 days)$816.57
Fees + prepaids$13,199.83
Your down payment is the seller’s equity. You take over the $295,681 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $207,518.91 is due at closing. Uses and sources reconcile at $503,199.83 each. Not a Closing Disclosure.