Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$306,371Cash toward the purchase price.
Closing costs + prepaids$13,170Not just lender fees.
Before credits & paid funds$319,541The complete starting cash picture.
Estimated remaining funds due at closing
$319,541No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$306,371.27
Your down payment$306,371.27
Closing costs + prepaids$13,170.21
Total buyer cash needed$319,541.48
Remaining funds due$319,541.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,985.00
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)$1,088.00
Initial HOA (3 months)$180.00
Prepaid interest, first (31 days)$442.21
Fees + prepaids$13,170.21
Your down payment is the seller’s equity. You take over the $192,129 balance, so the rest of the $498,500 price is paid at closing. A second mortgage can cover part of it. $319,541.48 is due at closing. Uses and sources reconcile at $511,670.21 each. Not a Closing Disclosure.