Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$169,271Cash toward the purchase price.
Closing costs + prepaids$12,887Not just lender fees.
Before credits & paid funds$182,158The complete starting cash picture.
Estimated remaining funds due at closing
$182,158No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,270.81
Your down payment$169,270.81
Closing costs + prepaids$12,886.81
Total buyer cash needed$182,157.61
Remaining funds due$182,157.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,998.00
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)$379.25
Initial HOA (3 months)$198.00
Prepaid interest, first (31 days)$836.56
Fees + prepaids$12,886.81
Your down payment is the seller’s equity. You take over the $330,529 balance, so the rest of the $499,800 price is paid at closing. A second mortgage can cover part of it. $182,157.61 is due at closing. Uses and sources reconcile at $512,686.81 each. Not a Closing Disclosure.