Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$308,390Cash toward the purchase price.
Closing costs + prepaids$12,229Not just lender fees.
Before credits & paid funds$320,618The complete starting cash picture.
Estimated remaining funds due at closing
$320,618No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$308,389.59
Your down payment$308,389.59
Closing costs + prepaids$12,228.56
Total buyer cash needed$320,618.15
Remaining funds due$320,618.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,930.00
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)$505.00
Initial HOA (3 months)$300.00
Prepaid interest, first (1 days)$18.56
Fees + prepaids$12,228.56
Your down payment is the seller’s equity. You take over the $184,610 balance, so the rest of the $493,000 price is paid at closing. A second mortgage can cover part of it. $320,618.15 is due at closing. Uses and sources reconcile at $505,228.56 each. Not a Closing Disclosure.