Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$352,750Cash toward the purchase price.
Closing costs + prepaids$13,108Not just lender fees.
Before credits & paid funds$365,858The complete starting cash picture.
Estimated remaining funds due at closing
$365,858No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$352,750.19
Your down payment$352,750.19
Closing costs + prepaids$13,108.20
Total buyer cash needed$365,858.39
Remaining funds due$365,858.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,890.00
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)$1,222.50
Prepaid interest, first (29 days)$520.70
Fees + prepaids$13,108.20
Your down payment is the seller’s equity. You take over the $136,250 balance, so the rest of the $489,000 price is paid at closing. A second mortgage can cover part of it. $365,858.39 is due at closing. Uses and sources reconcile at $502,108.20 each. Not a Closing Disclosure.