Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$200,043Cash toward the purchase price.
Closing costs + prepaids$13,284Not just lender fees.
Before credits & paid funds$213,327The complete starting cash picture.
Estimated remaining funds due at closing
$213,327No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,042.85
Your down payment$200,042.85
Closing costs + prepaids$13,284.28
Total buyer cash needed$213,327.13
Remaining funds due$213,327.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,899.00
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)$971.00
Initial HOA (3 months)$177.00
Prepaid interest, first (29 days)$762.28
Fees + prepaids$13,284.28
Your down payment is the seller’s equity. You take over the $289,857 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $213,327.13 is due at closing. Uses and sources reconcile at $503,184.28 each. Not a Closing Disclosure.