Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$338,957Cash toward the purchase price.
Closing costs + prepaids$12,811Not just lender fees.
Before credits & paid funds$351,768The complete starting cash picture.
Estimated remaining funds due at closing
$351,768No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$338,957.43
Your down payment$338,957.43
Closing costs + prepaids$12,810.80
Total buyer cash needed$351,768.23
Remaining funds due$351,768.23
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)$503.50
Initial HOA (3 months)$54.00
Prepaid interest, first (30 days)$778.30
Fees + prepaids$12,810.80
Your down payment is the seller’s equity. You take over the $161,043 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $351,768.23 is due at closing. Uses and sources reconcile at $512,810.80 each. Not a Closing Disclosure.