Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$326,627Cash toward the purchase price.
Closing costs + prepaids$13,048Not just lender fees.
Before credits & paid funds$339,674The complete starting cash picture.
Estimated remaining funds due at closing
$339,674No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$326,626.73
Your down payment$326,626.73
Closing costs + prepaids$13,047.66
Total buyer cash needed$339,674.39
Remaining funds due$339,674.39
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)$1,142.50
Initial HOA (3 months)$93.75
Prepaid interest, first (26 days)$436.41
Fees + prepaids$13,047.66
Your down payment is the seller’s equity. You take over the $163,373 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $339,674.39 is due at closing. Uses and sources reconcile at $503,047.66 each. Not a Closing Disclosure.