Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$337,258Cash toward the purchase price.
Closing costs + prepaids$12,391Not just lender fees.
Before credits & paid funds$349,648The complete starting cash picture.
Estimated remaining funds due at closing
$349,648No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$337,257.51
Your down payment$337,257.51
Closing costs + prepaids$12,390.88
Total buyer cash needed$349,648.39
Remaining funds due$349,648.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$677.75
Initial HOA (3 months)$210.00
Prepaid interest, first (22 days)$278.13
Fees + prepaids$12,390.88
Your down payment is the seller’s equity. You take over the $137,742 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $349,648.39 is due at closing. Uses and sources reconcile at $487,390.88 each. Not a Closing Disclosure.