Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$288,292Cash toward the purchase price.
Closing costs + prepaids$12,656Not just lender fees.
Before credits & paid funds$300,948The complete starting cash picture.
Estimated remaining funds due at closing
$300,948No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$288,291.61
Your down payment$288,291.61
Closing costs + prepaids$12,656.04
Total buyer cash needed$300,947.65
Remaining funds due$300,947.65
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)$584.75
Initial HOA (3 months)$159.00
Prepaid interest, first (21 days)$438.29
Fees + prepaids$12,656.04
Your down payment is the seller’s equity. You take over the $211,608 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $300,947.65 is due at closing. Uses and sources reconcile at $512,556.04 each. Not a Closing Disclosure.