Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$320,515Cash toward the purchase price.
Closing costs + prepaids$13,215Not just lender fees.
Before credits & paid funds$333,730The complete starting cash picture.
Estimated remaining funds due at closing
$333,730No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$320,515.15
Your down payment$320,515.15
Closing costs + prepaids$13,215.12
Total buyer cash needed$333,730.27
Remaining funds due$333,730.27
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)$994.25
Initial HOA (3 months)$135.00
Prepaid interest, first (30 days)$611.87
Fees + prepaids$13,215.12
Your down payment is the seller’s equity. You take over the $179,385 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $333,730.27 is due at closing. Uses and sources reconcile at $513,115.12 each. Not a Closing Disclosure.