Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$146,494Cash toward the purchase price.
Closing costs + prepaids$13,512Not just lender fees.
Before credits & paid funds$160,006The complete starting cash picture.
Estimated remaining funds due at closing
$160,006No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,493.72
Your down payment$146,493.72
Closing costs + prepaids$13,512.37
Total buyer cash needed$160,006.09
Remaining funds due$160,006.09
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)$630.75
Initial HOA (3 months)$252.00
Prepaid interest, first (31 days)$1,164.62
Fees + prepaids$13,512.37
Your down payment is the seller’s equity. You take over the $352,506 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $160,006.09 is due at closing. Uses and sources reconcile at $512,512.37 each. Not a Closing Disclosure.