Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$218,464Cash toward the purchase price.
Closing costs + prepaids$13,095Not just lender fees.
Before credits & paid funds$231,559The complete starting cash picture.
Estimated remaining funds due at closing
$231,559No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$218,463.77
Your down payment$218,463.77
Closing costs + prepaids$13,095.20
Total buyer cash needed$231,558.97
Remaining funds due$231,558.97
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)$764.00
Initial HOA (3 months)$137.01
Prepaid interest, first (28 days)$719.19
Fees + prepaids$13,095.20
Your down payment is the seller’s equity. You take over the $281,536 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $231,558.97 is due at closing. Uses and sources reconcile at $513,095.20 each. Not a Closing Disclosure.