Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$324,646Cash toward the purchase price.
Closing costs + prepaids$12,717Not just lender fees.
Before credits & paid funds$337,363The complete starting cash picture.
Estimated remaining funds due at closing
$337,363No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$324,645.80
Your down payment$324,645.80
Closing costs + prepaids$12,716.81
Total buyer cash needed$337,362.60
Remaining funds due$337,362.60
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)$715.50
Initial HOA (3 months)$34.74
Prepaid interest, first (30 days)$501.57
Fees + prepaids$12,716.81
Your down payment is the seller’s equity. You take over the $174,354 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $337,362.60 is due at closing. Uses and sources reconcile at $511,716.81 each. Not a Closing Disclosure.