Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$352,750Cash toward the purchase price.
Closing costs + prepaids$12,911Not just lender fees.
Before credits & paid funds$365,661The complete starting cash picture.
Estimated remaining funds due at closing
$365,661No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$352,750.19
Your down payment$352,750.19
Closing costs + prepaids$12,910.69
Total buyer cash needed$365,660.88
Remaining funds due$365,660.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,890.00
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)$1,222.50
Prepaid interest, first (18 days)$323.19
Fees + prepaids$12,910.69
Your down payment is the seller’s equity. You take over the $136,250 balance, so the rest of the $489,000 price is paid at closing. A second mortgage can cover part of it. $365,660.88 is due at closing. Uses and sources reconcile at $501,910.69 each. Not a Closing Disclosure.