Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$359,438Cash toward the purchase price.
Closing costs + prepaids$13,506Not just lender fees.
Before credits & paid funds$372,945The complete starting cash picture.
Estimated remaining funds due at closing
$372,945No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$359,438.06
Your down payment$359,438.06
Closing costs + prepaids$13,506.47
Total buyer cash needed$372,944.52
Remaining funds due$372,944.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,090.00
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)$1,027.00
Initial HOA (3 months)$255.00
Prepaid interest, first (26 days)$659.47
Fees + prepaids$13,506.47
Your down payment is the seller’s equity. You take over the $149,562 balance, so the rest of the $509,000 price is paid at closing. A second mortgage can cover part of it. $372,944.52 is due at closing. Uses and sources reconcile at $522,506.47 each. Not a Closing Disclosure.