Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$196,795Cash toward the purchase price.
Closing costs + prepaids$13,639Not just lender fees.
Before credits & paid funds$210,434The complete starting cash picture.
Estimated remaining funds due at closing
$210,434No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,795.33
Your down payment$196,795.33
Closing costs + prepaids$13,638.58
Total buyer cash needed$210,433.90
Remaining funds due$210,433.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,998.00
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)$1,468.25
Prepaid interest, first (30 days)$697.33
Fees + prepaids$13,638.58
Your down payment is the seller’s equity. You take over the $303,005 balance, so the rest of the $499,800 price is paid at closing. A second mortgage can cover part of it. $210,433.90 is due at closing. Uses and sources reconcile at $513,438.58 each. Not a Closing Disclosure.