Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$301,153Cash toward the purchase price.
Closing costs + prepaids$12,653Not just lender fees.
Before credits & paid funds$313,806The complete starting cash picture.
Estimated remaining funds due at closing
$313,806No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$301,153.35
Your down payment$301,153.35
Closing costs + prepaids$12,652.80
Total buyer cash needed$313,806.15
Remaining funds due$313,806.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,900.00
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)$1,008.50
Initial HOA (3 months)$7.50
Prepaid interest, first (23 days)$261.80
Fees + prepaids$12,652.80
Your down payment is the seller’s equity. You take over the $188,847 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $313,806.15 is due at closing. Uses and sources reconcile at $502,652.80 each. Not a Closing Disclosure.