Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$156,813Cash toward the purchase price.
Closing costs + prepaids$14,259Not just lender fees.
Before credits & paid funds$171,072The complete starting cash picture.
Estimated remaining funds due at closing
$171,072No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,813.36
Your down payment$156,813.36
Closing costs + prepaids$14,259.00
Total buyer cash needed$171,072.36
Remaining funds due$171,072.36
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)$979.50
Initial HOA (3 months)$162.00
Prepaid interest, first (27 days)$1,642.50
Fees + prepaids$14,259.00
Your down payment is the seller’s equity. You take over the $343,187 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $171,072.36 is due at closing. Uses and sources reconcile at $514,259.00 each. Not a Closing Disclosure.