Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$350,273Cash toward the purchase price.
Closing costs + prepaids$11,050Not just lender fees.
Before credits & paid funds$361,323The complete starting cash picture.
Estimated remaining funds due at closing
$361,323No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$350,272.97
Your down payment$350,272.97
Closing costs + prepaids$11,049.53
Total buyer cash needed$361,322.50
Remaining funds due$361,322.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,080.00
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)$510.00
Initial HOA (3 months)$105.00
Prepaid interest, first (13 days)$129.53
Fees + prepaids$11,049.53
Your down payment is the seller’s equity. You take over the $57,727 balance, so the rest of the $408,000 price is paid at closing. A second mortgage can cover part of it. $361,322.50 is due at closing. Uses and sources reconcile at $419,049.53 each. Not a Closing Disclosure.