Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$178,135Cash toward the purchase price.
Closing costs + prepaids$13,197Not just lender fees.
Before credits & paid funds$191,331The complete starting cash picture.
Estimated remaining funds due at closing
$191,331No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,134.56
Your down payment$178,134.56
Closing costs + prepaids$13,196.61
Total buyer cash needed$191,331.18
Remaining funds due$191,331.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.00
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)$1,249.75
Prepaid interest, first (18 days)$472.86
Fees + prepaids$13,196.61
Your down payment is the seller’s equity. You take over the $321,765 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $191,331.18 is due at closing. Uses and sources reconcile at $513,096.61 each. Not a Closing Disclosure.