Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$366,816Cash toward the purchase price.
Closing costs + prepaids$13,364Not just lender fees.
Before credits & paid funds$380,180The complete starting cash picture.
Estimated remaining funds due at closing
$380,180No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$366,816.11
Your down payment$366,816.11
Closing costs + prepaids$13,363.51
Total buyer cash needed$380,179.62
Remaining funds due$380,179.62
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)$1,564.75
Prepaid interest, first (24 days)$333.76
Fees + prepaids$13,363.51
Your down payment is the seller’s equity. You take over the $132,184 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $380,179.62 is due at closing. Uses and sources reconcile at $512,363.51 each. Not a Closing Disclosure.