Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$144,469Cash toward the purchase price.
Closing costs + prepaids$13,652Not just lender fees.
Before credits & paid funds$158,120The complete starting cash picture.
Estimated remaining funds due at closing
$158,120No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,468.87
Your down payment$144,468.87
Closing costs + prepaids$13,651.62
Total buyer cash needed$158,120.50
Remaining funds due$158,120.50
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)$1,084.50
Initial HOA (3 months)$456.00
Prepaid interest, first (27 days)$736.12
Fees + prepaids$13,651.62
Your down payment is the seller’s equity. You take over the $345,531 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $158,120.50 is due at closing. Uses and sources reconcile at $503,651.62 each. Not a Closing Disclosure.