Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$170,143Cash toward the purchase price.
Closing costs + prepaids$12,407Not just lender fees.
Before credits & paid funds$182,549The complete starting cash picture.
Estimated remaining funds due at closing
$182,549No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,142.52
Your down payment$170,142.52
Closing costs + prepaids$12,406.71
Total buyer cash needed$182,549.22
Remaining funds due$182,549.22
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)$600.00
Initial HOA (3 months)$84.99
Prepaid interest, first (6 days)$246.72
Fees + prepaids$12,406.71
Your down payment is the seller’s equity. You take over the $329,857 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $182,549.22 is due at closing. Uses and sources reconcile at $512,406.71 each. Not a Closing Disclosure.