Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$368,884Cash toward the purchase price.
Closing costs + prepaids$12,288Not just lender fees.
Before credits & paid funds$381,172The complete starting cash picture.
Estimated remaining funds due at closing
$381,172No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$368,883.56
Your down payment$368,883.56
Closing costs + prepaids$12,287.97
Total buyer cash needed$381,171.53
Remaining funds due$381,171.53
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)$594.00
Initial HOA (3 months)$147.00
Prepaid interest, first (10 days)$121.97
Fees + prepaids$12,287.97
Your down payment is the seller’s equity. You take over the $126,116 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $381,171.53 is due at closing. Uses and sources reconcile at $507,287.97 each. Not a Closing Disclosure.