Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$352,737Cash toward the purchase price.
Closing costs + prepaids$12,859Not just lender fees.
Before credits & paid funds$365,596The complete starting cash picture.
Estimated remaining funds due at closing
$365,596No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$352,736.85
Your down payment$352,736.85
Closing costs + prepaids$12,859.16
Total buyer cash needed$365,596.01
Remaining funds due$365,596.01
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)$693.75
Initial HOA (3 months)$87.51
Prepaid interest, first (28 days)$712.90
Fees + prepaids$12,859.16
Your down payment is the seller’s equity. You take over the $136,263 balance, so the rest of the $489,000 price is paid at closing. A second mortgage can cover part of it. $365,596.01 is due at closing. Uses and sources reconcile at $501,859.16 each. Not a Closing Disclosure.