Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$361,442Cash toward the purchase price.
Closing costs + prepaids$13,200Not just lender fees.
Before credits & paid funds$374,642The complete starting cash picture.
Estimated remaining funds due at closing
$374,642No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$361,442.23
Your down payment$361,442.23
Closing costs + prepaids$13,199.93
Total buyer cash needed$374,642.16
Remaining funds due$374,642.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,749.00
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)$1,240.25
Initial HOA (3 months)$183.00
Prepaid interest, first (28 days)$552.68
Fees + prepaids$13,199.93
Your down payment is the seller’s equity. You take over the $113,458 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $374,642.16 is due at closing. Uses and sources reconcile at $488,099.93 each. Not a Closing Disclosure.