Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$196,705Cash toward the purchase price.
Closing costs + prepaids$13,589Not just lender fees.
Before credits & paid funds$210,294The complete starting cash picture.
Estimated remaining funds due at closing
$210,294No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,705.25
Your down payment$196,705.25
Closing costs + prepaids$13,588.89
Total buyer cash needed$210,294.15
Remaining funds due$210,294.15
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)$1,224.75
Initial HOA (3 months)$945.00
Prepaid interest, first (2 days)$45.14
Fees + prepaids$13,588.89
Your down payment is the seller’s equity. You take over the $293,195 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $210,294.15 is due at closing. Uses and sources reconcile at $503,488.89 each. Not a Closing Disclosure.