Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$365,378Cash toward the purchase price.
Closing costs + prepaids$14,055Not just lender fees.
Before credits & paid funds$379,434The complete starting cash picture.
Estimated remaining funds due at closing
$379,434No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$365,378.09
Your down payment$365,378.09
Closing costs + prepaids$14,055.46
Total buyer cash needed$379,433.55
Remaining funds due$379,433.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$1,187.50
Initial HOA (3 months)$1,230.00
Prepaid interest, first (25 days)$412.96
Fees + prepaids$14,055.46
Your down payment is the seller’s equity. You take over the $109,622 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $379,433.55 is due at closing. Uses and sources reconcile at $489,055.46 each. Not a Closing Disclosure.