Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$368,772Cash toward the purchase price.
Closing costs + prepaids$13,018Not just lender fees.
Before credits & paid funds$381,791The complete starting cash picture.
Estimated remaining funds due at closing
$381,791No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$368,772.40
Your down payment$368,772.40
Closing costs + prepaids$13,018.48
Total buyer cash needed$381,790.88
Remaining funds due$381,790.88
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)$1,225.00
Prepaid interest, first (24 days)$418.48
Fees + prepaids$13,018.48
Your down payment is the seller’s equity. You take over the $121,228 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $381,790.88 is due at closing. Uses and sources reconcile at $503,018.48 each. Not a Closing Disclosure.