Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$143,548Cash toward the purchase price.
Closing costs + prepaids$12,201Not just lender fees.
Before credits & paid funds$155,749The complete starting cash picture.
Estimated remaining funds due at closing
$155,749No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,548.08
Your down payment$143,548.08
Closing costs + prepaids$12,201.12
Total buyer cash needed$155,749.20
Remaining funds due$155,749.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,890.00
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)$472.75
Initial HOA (3 months)$225.00
Prepaid interest, first (2 days)$138.37
Fees + prepaids$12,201.12
Your down payment is the seller’s equity. You take over the $345,452 balance, so the rest of the $489,000 price is paid at closing. A second mortgage can cover part of it. $155,749.20 is due at closing. Uses and sources reconcile at $501,201.12 each. Not a Closing Disclosure.