Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$305,149Cash toward the purchase price.
Closing costs + prepaids$14,767Not just lender fees.
Before credits & paid funds$319,916The complete starting cash picture.
Estimated remaining funds due at closing
$319,916No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$305,148.78
Your down payment$305,148.78
Closing costs + prepaids$14,766.90
Total buyer cash needed$319,915.68
Remaining funds due$319,915.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,950.00
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)$1,237.50
Initial HOA (3 months)$2,085.00
Prepaid interest, first (1 days)$19.40
Fees + prepaids$14,766.90
Your down payment is the seller’s equity. You take over the $189,851 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $319,915.68 is due at closing. Uses and sources reconcile at $509,766.90 each. Not a Closing Disclosure.