Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$284,626Cash toward the purchase price.
Closing costs + prepaids$12,869Not just lender fees.
Before credits & paid funds$297,495The complete starting cash picture.
Estimated remaining funds due at closing
$297,495No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$284,625.50
Your down payment$284,625.50
Closing costs + prepaids$12,869.49
Total buyer cash needed$297,494.99
Remaining funds due$297,494.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,998.99
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)$231.25
Prepaid interest, first (30 days)$1,164.25
Fees + prepaids$12,869.49
Your down payment is the seller’s equity. You take over the $215,273 balance, so the rest of the $499,899 price is paid at closing. A second mortgage can cover part of it. $297,494.99 is due at closing. Uses and sources reconcile at $512,768.49 each. Not a Closing Disclosure.