Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$216,994Cash toward the purchase price.
Closing costs + prepaids$13,176Not just lender fees.
Before credits & paid funds$230,170The complete starting cash picture.
Estimated remaining funds due at closing
$230,170No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,993.82
Your down payment$216,993.82
Closing costs + prepaids$13,176.13
Total buyer cash needed$230,169.95
Remaining funds due$230,169.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,985.00
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)$564.75
Initial HOA (3 months)$360.00
Prepaid interest, first (31 days)$791.38
Fees + prepaids$13,176.13
Your down payment is the seller’s equity. You take over the $281,506 balance, so the rest of the $498,500 price is paid at closing. A second mortgage can cover part of it. $230,169.95 is due at closing. Uses and sources reconcile at $511,676.13 each. Not a Closing Disclosure.