Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$282,996Cash toward the purchase price.
Closing costs + prepaids$12,619Not just lender fees.
Before credits & paid funds$295,615The complete starting cash picture.
Estimated remaining funds due at closing
$295,615No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$282,996.31
Your down payment$282,996.31
Closing costs + prepaids$12,619.05
Total buyer cash needed$295,615.36
Remaining funds due$295,615.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,900.00
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)$433.00
Initial HOA (3 months)$474.00
Prepaid interest, first (21 days)$337.05
Fees + prepaids$12,619.05
Your down payment is the seller’s equity. You take over the $207,004 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $295,615.36 is due at closing. Uses and sources reconcile at $502,619.05 each. Not a Closing Disclosure.