Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$286,781Cash toward the purchase price.
Closing costs + prepaids$12,189Not just lender fees.
Before credits & paid funds$298,970The complete starting cash picture.
Estimated remaining funds due at closing
$298,970No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$286,780.64
Your down payment$286,780.64
Closing costs + prepaids$12,189.46
Total buyer cash needed$298,970.10
Remaining funds due$298,970.10
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)$299.50
Prepaid interest, first (26 days)$415.96
Fees + prepaids$12,189.46
Your down payment is the seller’s equity. You take over the $213,119 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $298,970.10 is due at closing. Uses and sources reconcile at $512,089.46 each. Not a Closing Disclosure.