Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$342,926Cash toward the purchase price.
Closing costs + prepaids$16,158Not just lender fees.
Before credits & paid funds$359,084The complete starting cash picture.
Estimated remaining funds due at closing
$359,084No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$342,926.07
Your down payment$342,926.07
Closing costs + prepaids$16,157.95
Total buyer cash needed$359,084.02
Remaining funds due$359,084.02
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)$1,815.75
Initial HOA (3 months)$2,400.00
Prepaid interest, first (18 days)$477.20
Fees + prepaids$16,157.95
Your down payment is the seller’s equity. You take over the $156,074 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $359,084.02 is due at closing. Uses and sources reconcile at $515,157.95 each. Not a Closing Disclosure.