Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$184,204Cash toward the purchase price.
Closing costs + prepaids$13,783Not just lender fees.
Before credits & paid funds$197,987The complete starting cash picture.
Estimated remaining funds due at closing
$197,987No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,204.05
Your down payment$184,204.05
Closing costs + prepaids$13,782.72
Total buyer cash needed$197,986.78
Remaining funds due$197,986.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,000.00
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)$729.50
Initial HOA (3 months)$237.00
Prepaid interest, first (23 days)$1,341.22
Fees + prepaids$13,782.72
Your down payment is the seller’s equity. You take over the $315,796 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $197,986.78 is due at closing. Uses and sources reconcile at $513,782.72 each. Not a Closing Disclosure.