Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$325,645Cash toward the purchase price.
Closing costs + prepaids$10,273Not just lender fees.
Before credits & paid funds$335,919The complete starting cash picture.
Estimated remaining funds due at closing
$335,919No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$325,645.19
Your down payment$325,645.19
Closing costs + prepaids$10,273.33
Total buyer cash needed$335,918.53
Remaining funds due$335,918.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,439.00
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)$308.75
Initial HOA (3 months)$195.00
Prepaid interest, first (31 days)$105.58
Fees + prepaids$10,273.33
Your down payment is the seller’s equity. You take over the $18,255 balance, so the rest of the $343,900 price is paid at closing. A second mortgage can cover part of it. $335,918.53 is due at closing. Uses and sources reconcile at $354,173.33 each. Not a Closing Disclosure.