Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$328,821Cash toward the purchase price.
Closing costs + prepaids$12,368Not just lender fees.
Before credits & paid funds$341,189The complete starting cash picture.
Estimated remaining funds due at closing
$341,189No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$328,820.76
Your down payment$328,820.76
Closing costs + prepaids$12,367.98
Total buyer cash needed$341,188.73
Remaining funds due$341,188.73
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)$478.00
Initial HOA (3 months)$122.01
Prepaid interest, first (19 days)$302.97
Fees + prepaids$12,367.98
Your down payment is the seller’s equity. You take over the $170,179 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $341,188.73 is due at closing. Uses and sources reconcile at $511,367.98 each. Not a Closing Disclosure.