Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$345,140Cash toward the purchase price.
Closing costs + prepaids$11,582Not just lender fees.
Before credits & paid funds$356,721The complete starting cash picture.
Estimated remaining funds due at closing
$356,721No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$345,139.69
Your down payment$345,139.69
Closing costs + prepaids$11,581.76
Total buyer cash needed$356,721.45
Remaining funds due$356,721.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,600.00
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)$432.00
Initial HOA (3 months)$1,293.00
Prepaid interest, first (12 days)$31.76
Fees + prepaids$11,581.76
Your down payment is the seller’s equity. You take over the $14,860 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $356,721.45 is due at closing. Uses and sources reconcile at $371,581.76 each. Not a Closing Disclosure.