Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$336,495Cash toward the purchase price.
Closing costs + prepaids$10,749Not just lender fees.
Before credits & paid funds$347,244The complete starting cash picture.
Estimated remaining funds due at closing
$347,244No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$336,494.97
Your down payment$336,494.97
Closing costs + prepaids$10,749.33
Total buyer cash needed$347,244.29
Remaining funds due$347,244.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$368.50
Initial HOA (3 months)$501.00
Prepaid interest, first (31 days)$104.83
Fees + prepaids$10,749.33
Your down payment is the seller’s equity. You take over the $18,505 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $347,244.29 is due at closing. Uses and sources reconcile at $365,749.33 each. Not a Closing Disclosure.