Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$202,661Cash toward the purchase price.
Closing costs + prepaids$12,754Not just lender fees.
Before credits & paid funds$215,414The complete starting cash picture.
Estimated remaining funds due at closing
$215,414No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,660.58
Your down payment$202,660.58
Closing costs + prepaids$12,753.54
Total buyer cash needed$215,414.12
Remaining funds due$215,414.12
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)$1,180.00
Initial HOA (3 months)$126.00
Prepaid interest, first (1 days)$23.54
Fees + prepaids$12,753.54
Your down payment is the seller’s equity. You take over the $292,239 balance, so the rest of the $494,900 price is paid at closing. A second mortgage can cover part of it. $215,414.12 is due at closing. Uses and sources reconcile at $507,653.54 each. Not a Closing Disclosure.