Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$310,803Cash toward the purchase price.
Closing costs + prepaids$12,426Not just lender fees.
Before credits & paid funds$323,229The complete starting cash picture.
Estimated remaining funds due at closing
$323,229No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$310,803.30
Your down payment$310,803.30
Closing costs + prepaids$12,425.63
Total buyer cash needed$323,228.92
Remaining funds due$323,228.92
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)$625.00
Prepaid interest, first (18 days)$325.63
Fees + prepaids$12,425.63
Your down payment is the seller’s equity. You take over the $189,197 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $323,228.92 is due at closing. Uses and sources reconcile at $512,425.63 each. Not a Closing Disclosure.