Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$316,415Cash toward the purchase price.
Closing costs + prepaids$12,286Not just lender fees.
Before credits & paid funds$328,701The complete starting cash picture.
Estimated remaining funds due at closing
$328,701No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$316,415.15
Your down payment$316,415.15
Closing costs + prepaids$12,285.56
Total buyer cash needed$328,700.71
Remaining funds due$328,700.71
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)$508.50
Initial HOA (3 months)$294.00
Prepaid interest, first (1 days)$18.06
Fees + prepaids$12,285.56
Your down payment is the seller’s equity. You take over the $182,585 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $328,700.71 is due at closing. Uses and sources reconcile at $511,285.56 each. Not a Closing Disclosure.