Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$352,608Cash toward the purchase price.
Closing costs + prepaids$17,864Not just lender fees.
Before credits & paid funds$370,472The complete starting cash picture.
Estimated remaining funds due at closing
$370,472No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$352,608.36
Your down payment$352,608.36
Closing costs + prepaids$17,864.05
Total buyer cash needed$370,472.41
Remaining funds due$370,472.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,599.90
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)$1,032.00
Initial HOA (3 months)$450.00
Prepaid interest, first (12 days)$557.15
Fees + prepaids$17,864.05
Your down payment is the seller’s equity. You take over the $507,382 balance, so the rest of the $859,990 price is paid at closing. A second mortgage can cover part of it. $370,472.41 is due at closing. Uses and sources reconcile at $877,854.05 each. Not a Closing Disclosure.