Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$338,597Cash toward the purchase price.
Closing costs + prepaids$10,923Not just lender fees.
Before credits & paid funds$349,519The complete starting cash picture.
Estimated remaining funds due at closing
$349,519No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$338,596.52
Your down payment$338,596.52
Closing costs + prepaids$10,922.59
Total buyer cash needed$349,519.11
Remaining funds due$349,519.11
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)$492.50
Initial HOA (3 months)$600.00
Prepaid interest, first (18 days)$55.09
Fees + prepaids$10,922.59
Your down payment is the seller’s equity. You take over the $16,403 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $349,519.11 is due at closing. Uses and sources reconcile at $365,922.59 each. Not a Closing Disclosure.