Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$359,040Cash toward the purchase price.
Closing costs + prepaids$12,415Not just lender fees.
Before credits & paid funds$371,455The complete starting cash picture.
Estimated remaining funds due at closing
$371,455No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$359,040.37
Your down payment$359,040.37
Closing costs + prepaids$12,414.69
Total buyer cash needed$371,455.07
Remaining funds due$371,455.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,849.99
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)$582.00
Initial HOA (3 months)$399.00
Prepaid interest, first (9 days)$108.70
Fees + prepaids$12,414.69
Your down payment is the seller’s equity. You take over the $125,959 balance, so the rest of the $484,999 price is paid at closing. A second mortgage can cover part of it. $371,455.07 is due at closing. Uses and sources reconcile at $497,413.69 each. Not a Closing Disclosure.