Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$360,091Cash toward the purchase price.
Closing costs + prepaids$13,693Not just lender fees.
Before credits & paid funds$373,784The complete starting cash picture.
Estimated remaining funds due at closing
$373,784No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$360,091.00
Your down payment$360,091.00
Closing costs + prepaids$13,693.41
Total buyer cash needed$373,784.42
Remaining funds due$373,784.42
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)$1,233.25
Initial HOA (3 months)$575.01
Prepaid interest, first (24 days)$420.15
Fees + prepaids$13,693.41
Your down payment is the seller’s equity. You take over the $138,909 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $373,784.42 is due at closing. Uses and sources reconcile at $512,693.41 each. Not a Closing Disclosure.