Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$317,980Cash toward the purchase price.
Closing costs + prepaids$14,881Not just lender fees.
Before credits & paid funds$332,861The complete starting cash picture.
Estimated remaining funds due at closing
$332,861No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$317,980.35
Your down payment$317,980.35
Closing costs + prepaids$14,880.55
Total buyer cash needed$332,860.90
Remaining funds due$332,860.90
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)$2,708.50
Initial HOA (3 months)$27.51
Prepaid interest, first (31 days)$679.54
Fees + prepaids$14,880.55
Your down payment is the seller’s equity. You take over the $181,020 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $332,860.90 is due at closing. Uses and sources reconcile at $513,880.55 each. Not a Closing Disclosure.