Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$300,501Cash toward the purchase price.
Closing costs + prepaids$12,414Not just lender fees.
Before credits & paid funds$312,915The complete starting cash picture.
Estimated remaining funds due at closing
$312,915No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$300,500.69
Your down payment$300,500.69
Closing costs + prepaids$12,413.84
Total buyer cash needed$312,914.53
Remaining funds due$312,914.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,900.00
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)$1,008.50
Initial HOA (3 months)$7.50
Prepaid interest, first (2 days)$22.84
Fees + prepaids$12,413.84
Your down payment is the seller’s equity. You take over the $189,499 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $312,914.53 is due at closing. Uses and sources reconcile at $502,413.84 each. Not a Closing Disclosure.