Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$276,544Cash toward the purchase price.
Closing costs + prepaids$12,270Not just lender fees.
Before credits & paid funds$288,814The complete starting cash picture.
Estimated remaining funds due at closing
$288,814No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$276,543.91
Your down payment$276,543.91
Closing costs + prepaids$12,269.72
Total buyer cash needed$288,813.63
Remaining funds due$288,813.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.00
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)$220.50
Prepaid interest, first (25 days)$575.22
Fees + prepaids$12,269.72
Your down payment is the seller’s equity. You take over the $223,356 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $288,813.63 is due at closing. Uses and sources reconcile at $512,169.72 each. Not a Closing Disclosure.