Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$180,503Cash toward the purchase price.
Closing costs + prepaids$13,521Not just lender fees.
Before credits & paid funds$194,024The complete starting cash picture.
Estimated remaining funds due at closing
$194,024No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,502.72
Your down payment$180,502.72
Closing costs + prepaids$13,521.05
Total buyer cash needed$194,023.77
Remaining funds due$194,023.77
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)$1,198.75
Initial HOA (3 months)$50.01
Prepaid interest, first (26 days)$897.29
Fees + prepaids$13,521.05
Your down payment is the seller’s equity. You take over the $309,497 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $194,023.77 is due at closing. Uses and sources reconcile at $503,521.05 each. Not a Closing Disclosure.