Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$322,007Cash toward the purchase price.
Closing costs + prepaids$13,960Not just lender fees.
Before credits & paid funds$335,966The complete starting cash picture.
Estimated remaining funds due at closing
$335,966No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$322,006.53
Your down payment$322,006.53
Closing costs + prepaids$13,959.93
Total buyer cash needed$335,966.46
Remaining funds due$335,966.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,890.00
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)$748.75
Initial HOA (3 months)$1,398.00
Prepaid interest, first (31 days)$448.18
Fees + prepaids$13,959.93
Your down payment is the seller’s equity. You take over the $166,993 balance, so the rest of the $489,000 price is paid at closing. A second mortgage can cover part of it. $335,966.46 is due at closing. Uses and sources reconcile at $502,959.93 each. Not a Closing Disclosure.