Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$217,407Cash toward the purchase price.
Closing costs + prepaids$13,294Not just lender fees.
Before credits & paid funds$230,701The complete starting cash picture.
Estimated remaining funds due at closing
$230,701No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,407.08
Your down payment$217,407.08
Closing costs + prepaids$13,294.25
Total buyer cash needed$230,701.33
Remaining funds due$230,701.33
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)$1,145.25
Prepaid interest, first (31 days)$684.00
Fees + prepaids$13,294.25
Your down payment is the seller’s equity. You take over the $281,593 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $230,701.33 is due at closing. Uses and sources reconcile at $512,294.25 each. Not a Closing Disclosure.