Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$327,067Cash toward the purchase price.
Closing costs + prepaids$13,466Not just lender fees.
Before credits & paid funds$340,534The complete starting cash picture.
Estimated remaining funds due at closing
$340,534No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$327,067.07
Your down payment$327,067.07
Closing costs + prepaids$13,466.49
Total buyer cash needed$340,533.55
Remaining funds due$340,533.55
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)$1,072.00
Initial HOA (3 months)$420.00
Prepaid interest, first (26 days)$509.49
Fees + prepaids$13,466.49
Your down payment is the seller’s equity. You take over the $171,933 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $340,533.55 is due at closing. Uses and sources reconcile at $512,466.49 each. Not a Closing Disclosure.