Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$178,628Cash toward the purchase price.
Closing costs + prepaids$14,645Not just lender fees.
Before credits & paid funds$193,273The complete starting cash picture.
Estimated remaining funds due at closing
$193,273No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,627.98
Your down payment$178,627.98
Closing costs + prepaids$14,645.34
Total buyer cash needed$193,273.32
Remaining funds due$193,273.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,998.00
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)$1,249.50
Initial HOA (3 months)$1,161.00
Prepaid interest, first (26 days)$761.84
Fees + prepaids$14,645.34
Your down payment is the seller’s equity. You take over the $321,172 balance, so the rest of the $499,800 price is paid at closing. A second mortgage can cover part of it. $193,273.32 is due at closing. Uses and sources reconcile at $514,445.34 each. Not a Closing Disclosure.