Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$163,714Cash toward the purchase price.
Closing costs + prepaids$13,223Not just lender fees.
Before credits & paid funds$176,936The complete starting cash picture.
Estimated remaining funds due at closing
$176,936No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,713.71
Your down payment$163,713.71
Closing costs + prepaids$13,222.66
Total buyer cash needed$176,936.37
Remaining funds due$176,936.37
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)$778.00
Initial HOA (3 months)$906.00
Prepaid interest, first (1 days)$63.66
Fees + prepaids$13,222.66
Your down payment is the seller’s equity. You take over the $336,286 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $176,936.37 is due at closing. Uses and sources reconcile at $513,222.66 each. Not a Closing Disclosure.