Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$170,523Cash toward the purchase price.
Closing costs + prepaids$13,723Not just lender fees.
Before credits & paid funds$184,247The complete starting cash picture.
Estimated remaining funds due at closing
$184,247No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,523.24
Your down payment$170,523.24
Closing costs + prepaids$13,723.36
Total buyer cash needed$184,246.61
Remaining funds due$184,246.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,849.90
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)$1,522.50
Initial HOA (3 months)$297.00
Prepaid interest, first (24 days)$578.96
Fees + prepaids$13,723.36
Your down payment is the seller’s equity. You take over the $314,467 balance, so the rest of the $484,990 price is paid at closing. A second mortgage can cover part of it. $184,246.61 is due at closing. Uses and sources reconcile at $498,713.36 each. Not a Closing Disclosure.