Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$349,658Cash toward the purchase price.
Closing costs + prepaids$13,626Not just lender fees.
Before credits & paid funds$363,284The complete starting cash picture.
Estimated remaining funds due at closing
$363,284No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$349,657.87
Your down payment$349,657.87
Closing costs + prepaids$13,625.94
Total buyer cash needed$363,283.81
Remaining funds due$363,283.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$1,730.75
Initial HOA (3 months)$31.26
Prepaid interest, first (25 days)$398.93
Fees + prepaids$13,625.94
Your down payment is the seller’s equity. You take over the $149,342 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $363,283.81 is due at closing. Uses and sources reconcile at $512,625.94 each. Not a Closing Disclosure.