Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$174,626Cash toward the purchase price.
Closing costs + prepaids$14,283Not just lender fees.
Before credits & paid funds$188,908The complete starting cash picture.
Estimated remaining funds due at closing
$188,908No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,625.64
Your down payment$174,625.64
Closing costs + prepaids$14,282.72
Total buyer cash needed$188,908.36
Remaining funds due$188,908.36
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)$868.00
Initial HOA (3 months)$159.00
Prepaid interest, first (31 days)$1,790.72
Fees + prepaids$14,282.72
Your down payment is the seller’s equity. You take over the $324,374 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $188,908.36 is due at closing. Uses and sources reconcile at $513,282.72 each. Not a Closing Disclosure.