Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$199,243Cash toward the purchase price.
Closing costs + prepaids$13,010Not just lender fees.
Before credits & paid funds$212,254The complete starting cash picture.
Estimated remaining funds due at closing
$212,254No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,243.23
Your down payment$199,243.23
Closing costs + prepaids$13,010.49
Total buyer cash needed$212,253.73
Remaining funds due$212,253.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,890.00
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)$657.50
Initial HOA (3 months)$150.00
Prepaid interest, first (26 days)$837.99
Fees + prepaids$13,010.49
Your down payment is the seller’s equity. You take over the $289,757 balance, so the rest of the $489,000 price is paid at closing. A second mortgage can cover part of it. $212,253.73 is due at closing. Uses and sources reconcile at $502,010.49 each. Not a Closing Disclosure.