Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$359,780Cash toward the purchase price.
Closing costs + prepaids$13,308Not just lender fees.
Before credits & paid funds$373,088The complete starting cash picture.
Estimated remaining funds due at closing
$373,088No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$359,779.72
Your down payment$359,779.72
Closing costs + prepaids$13,308.35
Total buyer cash needed$373,088.07
Remaining funds due$373,088.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,990.00
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)$1,233.25
Initial HOA (3 months)$575.01
Prepaid interest, first (2 days)$35.09
Fees + prepaids$13,308.35
Your down payment is the seller’s equity. You take over the $139,220 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $373,088.07 is due at closing. Uses and sources reconcile at $512,308.35 each. Not a Closing Disclosure.