Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$327,612Cash toward the purchase price.
Closing costs + prepaids$12,918Not just lender fees.
Before credits & paid funds$340,530The complete starting cash picture.
Estimated remaining funds due at closing
$340,530No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$327,612.06
Your down payment$327,612.06
Closing costs + prepaids$12,918.35
Total buyer cash needed$340,530.41
Remaining funds due$340,530.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.90
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)$660.00
Initial HOA (3 months)$408.00
Prepaid interest, first (25 days)$375.45
Fees + prepaids$12,918.35
Your down payment is the seller’s equity. You take over the $172,378 balance, so the rest of the $499,990 price is paid at closing. A second mortgage can cover part of it. $340,530.41 is due at closing. Uses and sources reconcile at $512,908.35 each. Not a Closing Disclosure.