Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$286,767Cash toward the purchase price.
Closing costs + prepaids$12,885Not just lender fees.
Before credits & paid funds$299,651The complete starting cash picture.
Estimated remaining funds due at closing
$299,651No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$286,766.83
Your down payment$286,766.83
Closing costs + prepaids$12,884.61
Total buyer cash needed$299,651.44
Remaining funds due$299,651.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.00
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)$547.50
Initial HOA (3 months)$129.99
Prepaid interest, first (31 days)$733.12
Fees + prepaids$12,884.61
Your down payment is the seller’s equity. You take over the $213,133 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $299,651.44 is due at closing. Uses and sources reconcile at $512,784.61 each. Not a Closing Disclosure.