Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$345,708Cash toward the purchase price.
Closing costs + prepaids$18,209Not just lender fees.
Before credits & paid funds$363,917The complete starting cash picture.
Estimated remaining funds due at closing
$363,917No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$345,708.38
Your down payment$345,708.38
Closing costs + prepaids$18,208.74
Total buyer cash needed$363,917.11
Remaining funds due$363,917.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,899.00
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)$1,969.25
Initial HOA (3 months)$4,311.00
Prepaid interest, first (22 days)$554.49
Fees + prepaids$18,208.74
Your down payment is the seller’s equity. You take over the $144,192 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $363,917.11 is due at closing. Uses and sources reconcile at $508,108.74 each. Not a Closing Disclosure.