Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$360,405Cash toward the purchase price.
Closing costs + prepaids$12,666Not just lender fees.
Before credits & paid funds$373,072The complete starting cash picture.
Estimated remaining funds due at closing
$373,072No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$360,405.15
Your down payment$360,405.15
Closing costs + prepaids$12,666.38
Total buyer cash needed$373,071.54
Remaining funds due$373,071.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,899.00
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)$984.25
Initial HOA (3 months)$20.76
Prepaid interest, first (18 days)$287.37
Fees + prepaids$12,666.38
Your down payment is the seller’s equity. You take over the $129,495 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $373,071.54 is due at closing. Uses and sources reconcile at $502,566.38 each. Not a Closing Disclosure.