Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$336,820Cash toward the purchase price.
Closing costs + prepaids$13,058Not just lender fees.
Before credits & paid funds$349,878The complete starting cash picture.
Estimated remaining funds due at closing
$349,878No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$336,819.70
Your down payment$336,819.70
Closing costs + prepaids$13,057.93
Total buyer cash needed$349,877.62
Remaining funds due$349,877.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,789.00
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)$1,069.00
Initial HOA (3 months)$396.00
Prepaid interest, first (26 days)$328.93
Fees + prepaids$13,057.93
Your down payment is the seller’s equity. You take over the $142,080 balance, so the rest of the $478,900 price is paid at closing. A second mortgage can cover part of it. $349,877.62 is due at closing. Uses and sources reconcile at $491,957.93 each. Not a Closing Disclosure.