Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$135,695Cash toward the purchase price.
Closing costs + prepaids$12,163Not just lender fees.
Before credits & paid funds$147,857The complete starting cash picture.
Estimated remaining funds due at closing
$147,857No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,694.74
Your down payment$135,694.74
Closing costs + prepaids$12,162.59
Total buyer cash needed$147,857.33
Remaining funds due$147,857.33
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 (2 days)$101.34
Fees + prepaids$12,162.59
Your down payment is the seller’s equity. You take over the $354,305 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $147,857.33 is due at closing. Uses and sources reconcile at $502,162.59 each. Not a Closing Disclosure.