Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$306,442Cash toward the purchase price.
Closing costs + prepaids$12,382Not just lender fees.
Before credits & paid funds$318,824The complete starting cash picture.
Estimated remaining funds due at closing
$318,824No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$306,441.76
Your down payment$306,441.76
Closing costs + prepaids$12,382.01
Total buyer cash needed$318,823.77
Remaining funds due$318,823.77
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)$514.25
Initial HOA (3 months)$108.00
Prepaid interest, first (25 days)$385.76
Fees + prepaids$12,382.01
Your down payment is the seller’s equity. You take over the $183,458 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $318,823.77 is due at closing. Uses and sources reconcile at $502,282.01 each. Not a Closing Disclosure.