Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$323,333Cash toward the purchase price.
Closing costs + prepaids$12,943Not just lender fees.
Before credits & paid funds$336,277The complete starting cash picture.
Estimated remaining funds due at closing
$336,277No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$323,333.08
Your down payment$323,333.08
Closing costs + prepaids$12,943.46
Total buyer cash needed$336,276.54
Remaining funds due$336,276.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,900.00
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)$1,033.75
Initial HOA (3 months)$99.00
Prepaid interest, first (26 days)$435.71
Fees + prepaids$12,943.46
Your down payment is the seller’s equity. You take over the $166,667 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $336,276.54 is due at closing. Uses and sources reconcile at $502,943.46 each. Not a Closing Disclosure.