Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$348,438Cash toward the purchase price.
Closing costs + prepaids$12,806Not just lender fees.
Before credits & paid funds$361,244The complete starting cash picture.
Estimated remaining funds due at closing
$361,244No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$348,437.98
Your down payment$348,437.98
Closing costs + prepaids$12,806.09
Total buyer cash needed$361,244.07
Remaining funds due$361,244.07
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)$988.75
Prepaid interest, first (31 days)$443.34
Fees + prepaids$12,806.09
Your down payment is the seller’s equity. You take over the $141,462 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $361,244.07 is due at closing. Uses and sources reconcile at $502,706.09 each. Not a Closing Disclosure.