Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$329,535Cash toward the purchase price.
Closing costs + prepaids$13,319Not just lender fees.
Before credits & paid funds$342,855The complete starting cash picture.
Estimated remaining funds due at closing
$342,855No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$329,535.27
Your down payment$329,535.27
Closing costs + prepaids$13,319.30
Total buyer cash needed$342,854.58
Remaining funds due$342,854.58
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)$1,289.50
Initial HOA (3 months)$75.00
Prepaid interest, first (30 days)$589.80
Fees + prepaids$13,319.30
Your down payment is the seller’s equity. You take over the $159,465 balance, so the rest of the $489,000 price is paid at closing. A second mortgage can cover part of it. $342,854.58 is due at closing. Uses and sources reconcile at $502,319.30 each. Not a Closing Disclosure.