Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$293,938Cash toward the purchase price.
Closing costs + prepaids$12,318Not just lender fees.
Before credits & paid funds$306,256The complete starting cash picture.
Estimated remaining funds due at closing
$306,256No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$293,938.15
Your down payment$293,938.15
Closing costs + prepaids$12,318.01
Total buyer cash needed$306,256.16
Remaining funds due$306,256.16
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)$610.75
Initial HOA (3 months)$216.00
Prepaid interest, first (1 days)$16.26
Fees + prepaids$12,318.01
Your down payment is the seller’s equity. You take over the $206,062 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $306,256.16 is due at closing. Uses and sources reconcile at $512,318.01 each. Not a Closing Disclosure.