Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$136,231Cash toward the purchase price.
Closing costs + prepaids$12,619Not just lender fees.
Before credits & paid funds$148,850The complete starting cash picture.
Estimated remaining funds due at closing
$148,850No 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$12,619.34
Total buyer cash needed$148,850.38
Remaining funds due$148,850.38
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)$588.00
Initial HOA (3 months)$201.00
Prepaid interest, first (9 days)$455.34
Fees + prepaids$12,619.34
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. $148,850.38 is due at closing. Uses and sources reconcile at $502,619.34 each. Not a Closing Disclosure.