Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$136,231Cash toward the purchase price.
Closing costs + prepaids$13,630Not just lender fees.
Before credits & paid funds$149,861The complete starting cash picture.
Estimated remaining funds due at closing
$149,861No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,231.03
Your down payment$136,231.03
Closing costs + prepaids$13,629.66
Total buyer cash needed$149,860.69
Remaining funds due$149,860.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,900.00
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)$485.25
Initial HOA (3 months)$201.00
Prepaid interest, first (31 days)$1,568.41
Fees + prepaids$13,629.66
Your down payment is the seller’s equity. You take over the $353,769 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $149,860.69 is due at closing. Uses and sources reconcile at $503,629.66 each. Not a Closing Disclosure.