Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$204,380Cash toward the purchase price.
Closing costs + prepaids$12,445Not just lender fees.
Before credits & paid funds$216,825The complete starting cash picture.
Estimated remaining funds due at closing
$216,825No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,380.19
Your down payment$204,380.19
Closing costs + prepaids$12,445.29
Total buyer cash needed$216,825.48
Remaining funds due$216,825.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,000.00
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)$600.00
Prepaid interest, first (12 days)$370.29
Fees + prepaids$12,445.29
Your down payment is the seller’s equity. You take over the $295,620 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $216,825.48 is due at closing. Uses and sources reconcile at $512,445.29 each. Not a Closing Disclosure.