Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$291,190Cash toward the purchase price.
Closing costs + prepaids$12,712Not just lender fees.
Before credits & paid funds$303,902The complete starting cash picture.
Estimated remaining funds due at closing
$303,902No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$291,189.56
Your down payment$291,189.56
Closing costs + prepaids$12,712.40
Total buyer cash needed$303,901.96
Remaining funds due$303,901.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$552.00
Prepaid interest, first (31 days)$695.40
Fees + prepaids$12,712.40
Your down payment is the seller’s equity. You take over the $207,810 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $303,901.96 is due at closing. Uses and sources reconcile at $511,712.40 each. Not a Closing Disclosure.