Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$156,530Cash toward the purchase price.
Closing costs + prepaids$15,368Not just lender fees.
Before credits & paid funds$171,898The complete starting cash picture.
Estimated remaining funds due at closing
$171,898No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,530.08
Your down payment$156,530.08
Closing costs + prepaids$15,368.02
Total buyer cash needed$171,898.10
Remaining funds due$171,898.10
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)$1,247.50
Initial HOA (3 months)$1,797.00
Prepaid interest, first (30 days)$858.52
Fees + prepaids$15,368.02
Your down payment is the seller’s equity. You take over the $342,470 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $171,898.10 is due at closing. Uses and sources reconcile at $514,368.02 each. Not a Closing Disclosure.