Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$149,363Cash toward the purchase price.
Closing costs + prepaids$14,800Not just lender fees.
Before credits & paid funds$164,163The complete starting cash picture.
Estimated remaining funds due at closing
$164,163No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,363.23
Your down payment$149,363.23
Closing costs + prepaids$14,799.72
Total buyer cash needed$164,162.94
Remaining funds due$164,162.94
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)$1,247.50
Initial HOA (3 months)$1,068.00
Prepaid interest, first (28 days)$1,019.22
Fees + prepaids$14,799.72
Your down payment is the seller’s equity. You take over the $349,637 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $164,162.94 is due at closing. Uses and sources reconcile at $513,799.72 each. Not a Closing Disclosure.