Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$360,819Cash toward the purchase price.
Closing costs + prepaids$12,488Not just lender fees.
Before credits & paid funds$373,307The complete starting cash picture.
Estimated remaining funds due at closing
$373,307No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$360,819.41
Your down payment$360,819.41
Closing costs + prepaids$12,487.73
Total buyer cash needed$373,307.14
Remaining funds due$373,307.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,750.00
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)$692.25
Initial HOA (3 months)$285.00
Prepaid interest, first (26 days)$285.48
Fees + prepaids$12,487.73
Your down payment is the seller’s equity. You take over the $114,181 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $373,307.14 is due at closing. Uses and sources reconcile at $487,487.73 each. Not a Closing Disclosure.