Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$162,734Cash toward the purchase price.
Closing costs + prepaids$13,470Not just lender fees.
Before credits & paid funds$176,203The complete starting cash picture.
Estimated remaining funds due at closing
$176,203No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,733.84
Your down payment$162,733.84
Closing costs + prepaids$13,469.60
Total buyer cash needed$176,203.43
Remaining funds due$176,203.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.00
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)$489.25
Prepaid interest, first (23 days)$1,506.35
Fees + prepaids$13,469.60
Your down payment is the seller’s equity. You take over the $337,166 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $176,203.43 is due at closing. Uses and sources reconcile at $513,369.60 each. Not a Closing Disclosure.