Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$205,237Cash toward the purchase price.
Closing costs + prepaids$12,174Not just lender fees.
Before credits & paid funds$217,410The complete starting cash picture.
Estimated remaining funds due at closing
$217,410No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$205,236.74
Your down payment$205,236.74
Closing costs + prepaids$12,173.72
Total buyer cash needed$217,410.46
Remaining funds due$217,410.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.28
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)$218.25
Prepaid interest, first (20 days)$481.19
Fees + prepaids$12,173.72
Your down payment is the seller’s equity. You take over the $294,691 balance, so the rest of the $499,928 price is paid at closing. A second mortgage can cover part of it. $217,410.46 is due at closing. Uses and sources reconcile at $512,101.72 each. Not a Closing Disclosure.