Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$166,290Cash toward the purchase price.
Closing costs + prepaids$12,641Not just lender fees.
Before credits & paid funds$178,931The complete starting cash picture.
Estimated remaining funds due at closing
$178,931No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,289.69
Your down payment$166,289.69
Closing costs + prepaids$12,640.99
Total buyer cash needed$178,930.68
Remaining funds due$178,930.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,999.95
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)$757.00
Initial HOA (3 months)$354.00
Prepaid interest, first (2 days)$55.04
Fees + prepaids$12,640.99
Your down payment is the seller’s equity. You take over the $333,705 balance, so the rest of the $499,995 price is paid at closing. A second mortgage can cover part of it. $178,930.68 is due at closing. Uses and sources reconcile at $512,635.99 each. Not a Closing Disclosure.