Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$213,874Cash toward the purchase price.
Closing costs + prepaids$12,449Not just lender fees.
Before credits & paid funds$226,324The complete starting cash picture.
Estimated remaining funds due at closing
$226,324No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$213,874.50
Your down payment$213,874.50
Closing costs + prepaids$12,449.19
Total buyer cash needed$226,323.69
Remaining funds due$226,323.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,090.00
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)$442.75
Initial HOA (3 months)$396.00
Prepaid interest, first (2 days)$45.44
Fees + prepaids$12,449.19
Your down payment is the seller’s equity. You take over the $295,126 balance, so the rest of the $509,000 price is paid at closing. A second mortgage can cover part of it. $226,323.69 is due at closing. Uses and sources reconcile at $521,449.19 each. Not a Closing Disclosure.