Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$157,797Cash toward the purchase price.
Closing costs + prepaids$13,611Not just lender fees.
Before credits & paid funds$171,408The complete starting cash picture.
Estimated remaining funds due at closing
$171,408No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,796.72
Your down payment$157,796.72
Closing costs + prepaids$13,610.99
Total buyer cash needed$171,407.71
Remaining funds due$171,407.71
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)$669.00
Prepaid interest, first (25 days)$1,476.99
Fees + prepaids$13,610.99
Your down payment is the seller’s equity. You take over the $341,203 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $171,407.71 is due at closing. Uses and sources reconcile at $512,610.99 each. Not a Closing Disclosure.