Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$320,515Cash toward the purchase price.
Closing costs + prepaids$13,052Not just lender fees.
Before credits & paid funds$333,567The complete starting cash picture.
Estimated remaining funds due at closing
$333,567No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$320,515.15
Your down payment$320,515.15
Closing costs + prepaids$13,051.96
Total buyer cash needed$333,567.11
Remaining funds due$333,567.11
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)$994.25
Initial HOA (3 months)$135.00
Prepaid interest, first (22 days)$448.71
Fees + prepaids$13,051.96
Your down payment is the seller’s equity. You take over the $179,385 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $333,567.11 is due at closing. Uses and sources reconcile at $512,951.96 each. Not a Closing Disclosure.