Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$169,274Cash toward the purchase price.
Closing costs + prepaids$13,404Not just lender fees.
Before credits & paid funds$182,678The complete starting cash picture.
Estimated remaining funds due at closing
$182,678No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,274.18
Your down payment$169,274.18
Closing costs + prepaids$13,403.55
Total buyer cash needed$182,677.73
Remaining funds due$182,677.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$1,049.00
Initial HOA (3 months)$27.75
Prepaid interest, first (18 days)$861.80
Fees + prepaids$13,403.55
Your down payment is the seller’s equity. You take over the $329,726 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $182,677.73 is due at closing. Uses and sources reconcile at $512,403.55 each. Not a Closing Disclosure.