Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$208,551Cash toward the purchase price.
Closing costs + prepaids$12,705Not just lender fees.
Before credits & paid funds$221,256The complete starting cash picture.
Estimated remaining funds due at closing
$221,256No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,551.21
Your down payment$208,551.21
Closing costs + prepaids$12,704.59
Total buyer cash needed$221,255.80
Remaining funds due$221,255.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,099.00
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)$360.00
Initial HOA (3 months)$74.76
Prepaid interest, first (28 days)$695.83
Fees + prepaids$12,704.59
Your down payment is the seller’s equity. You take over the $301,349 balance, so the rest of the $509,900 price is paid at closing. A second mortgage can cover part of it. $221,255.80 is due at closing. Uses and sources reconcile at $522,604.59 each. Not a Closing Disclosure.