Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$193,228Cash toward the purchase price.
Closing costs + prepaids$13,525Not just lender fees.
Before credits & paid funds$206,753The complete starting cash picture.
Estimated remaining funds due at closing
$206,753No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,228.19
Your down payment$193,228.19
Closing costs + prepaids$13,524.59
Total buyer cash needed$206,752.78
Remaining funds due$206,752.78
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)$886.00
Initial HOA (3 months)$378.00
Prepaid interest, first (31 days)$786.59
Fees + prepaids$13,524.59
Your down payment is the seller’s equity. You take over the $306,672 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $206,752.78 is due at closing. Uses and sources reconcile at $513,424.59 each. Not a Closing Disclosure.