Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$283,292Cash toward the purchase price.
Closing costs + prepaids$12,386Not just lender fees.
Before credits & paid funds$295,677The complete starting cash picture.
Estimated remaining funds due at closing
$295,677No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$283,291.61
Your down payment$283,291.61
Closing costs + prepaids$12,385.71
Total buyer cash needed$295,677.32
Remaining funds due$295,677.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,949.00
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)$594.00
Initial HOA (3 months)$159.00
Prepaid interest, first (10 days)$208.71
Fees + prepaids$12,385.71
Your down payment is the seller’s equity. You take over the $211,608 balance, so the rest of the $494,900 price is paid at closing. A second mortgage can cover part of it. $295,677.32 is due at closing. Uses and sources reconcile at $507,285.71 each. Not a Closing Disclosure.