Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$205,994Cash toward the purchase price.
Closing costs + prepaids$12,550Not just lender fees.
Before credits & paid funds$218,544The complete starting cash picture.
Estimated remaining funds due at closing
$218,544No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$205,993.82
Your down payment$205,993.82
Closing costs + prepaids$12,550.28
Total buyer cash needed$218,544.11
Remaining funds due$218,544.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,875.00
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)$585.00
Initial HOA (3 months)$360.00
Prepaid interest, first (10 days)$255.28
Fees + prepaids$12,550.28
Your down payment is the seller’s equity. You take over the $281,506 balance, so the rest of the $487,500 price is paid at closing. A second mortgage can cover part of it. $218,544.11 is due at closing. Uses and sources reconcile at $500,050.28 each. Not a Closing Disclosure.