Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$209,654Cash toward the purchase price.
Closing costs + prepaids$14,076Not just lender fees.
Before credits & paid funds$223,730The complete starting cash picture.
Estimated remaining funds due at closing
$223,730No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,654.41
Your down payment$209,654.41
Closing costs + prepaids$14,075.67
Total buyer cash needed$223,730.09
Remaining funds due$223,730.09
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)$1,921.00
Prepaid interest, first (30 days)$689.67
Fees + prepaids$14,075.67
Your down payment is the seller’s equity. You take over the $289,346 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $223,730.09 is due at closing. Uses and sources reconcile at $513,075.67 each. Not a Closing Disclosure.