Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$168,519Cash toward the purchase price.
Closing costs + prepaids$12,077Not just lender fees.
Before credits & paid funds$180,596The complete starting cash picture.
Estimated remaining funds due at closing
$180,596No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,518.87
Your down payment$168,518.87
Closing costs + prepaids$12,077.30
Total buyer cash needed$180,596.17
Remaining funds due$180,596.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,998.00
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)$379.25
Initial HOA (3 months)$198.00
Prepaid interest, first (1 days)$27.05
Fees + prepaids$12,077.30
Your down payment is the seller’s equity. You take over the $331,281 balance, so the rest of the $499,800 price is paid at closing. A second mortgage can cover part of it. $180,596.17 is due at closing. Uses and sources reconcile at $511,877.30 each. Not a Closing Disclosure.