Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$205,777Cash toward the purchase price.
Closing costs + prepaids$12,726Not just lender fees.
Before credits & paid funds$218,503The complete starting cash picture.
Estimated remaining funds due at closing
$218,503No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$205,776.80
Your down payment$205,776.80
Closing costs + prepaids$12,726.42
Total buyer cash needed$218,503.22
Remaining funds due$218,503.22
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)$402.00
Initial HOA (3 months)$225.99
Prepaid interest, first (27 days)$624.43
Fees + prepaids$12,726.42
Your down payment is the seller’s equity. You take over the $294,123 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $218,503.22 is due at closing. Uses and sources reconcile at $512,626.42 each. Not a Closing Disclosure.