Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$346,882Cash toward the purchase price.
Closing costs + prepaids$16,274Not just lender fees.
Before credits & paid funds$363,156The complete starting cash picture.
Estimated remaining funds due at closing
$363,156No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$346,882.09
Your down payment$346,882.09
Closing costs + prepaids$16,273.60
Total buyer cash needed$363,155.69
Remaining funds due$363,155.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,295.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$912.00
Initial HOA (3 months)$366.00
Prepaid interest, first (13 days)$475.60
Fees + prepaids$16,273.60
Your down payment is the seller’s equity. You take over the $382,618 balance, so the rest of the $729,500 price is paid at closing. A second mortgage can cover part of it. $363,155.69 is due at closing. Uses and sources reconcile at $745,773.60 each. Not a Closing Disclosure.