Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$344,096Cash toward the purchase price.
Closing costs + prepaids$13,177Not just lender fees.
Before credits & paid funds$357,273The complete starting cash picture.
Estimated remaining funds due at closing
$357,273No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$344,095.90
Your down payment$344,095.90
Closing costs + prepaids$13,176.78
Total buyer cash needed$357,272.68
Remaining funds due$357,272.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.00
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)$965.00
Initial HOA (3 months)$255.00
Prepaid interest, first (30 days)$482.78
Fees + prepaids$13,176.78
Your down payment is the seller’s equity. You take over the $155,804 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $357,272.68 is due at closing. Uses and sources reconcile at $513,076.78 each. Not a Closing Disclosure.