Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$328,388Cash toward the purchase price.
Closing costs + prepaids$12,341Not just lender fees.
Before credits & paid funds$340,728The complete starting cash picture.
Estimated remaining funds due at closing
$340,728No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$328,387.61
Your down payment$328,387.61
Closing costs + prepaids$12,340.88
Total buyer cash needed$340,728.49
Remaining funds due$340,728.49
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)$191.00
Initial HOA (3 months)$38.01
Prepaid interest, first (25 days)$737.87
Fees + prepaids$12,340.88
Your down payment is the seller’s equity. You take over the $161,512 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $340,728.49 is due at closing. Uses and sources reconcile at $502,240.88 each. Not a Closing Disclosure.