Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$199,204Cash toward the purchase price.
Closing costs + prepaids$12,562Not just lender fees.
Before credits & paid funds$211,766The complete starting cash picture.
Estimated remaining funds due at closing
$211,766No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,203.88
Your down payment$199,203.88
Closing costs + prepaids$12,561.68
Total buyer cash needed$211,765.56
Remaining funds due$211,765.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.99
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)$515.25
Initial HOA (3 months)$165.00
Prepaid interest, first (18 days)$406.44
Fees + prepaids$12,561.68
Your down payment is the seller’s equity. You take over the $300,795 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $211,765.56 is due at closing. Uses and sources reconcile at $512,560.68 each. Not a Closing Disclosure.