Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$355,967Cash toward the purchase price.
Closing costs + prepaids$10,460Not just lender fees.
Before credits & paid funds$366,427The complete starting cash picture.
Estimated remaining funds due at closing
$366,427No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$355,966.97
Your down payment$355,966.97
Closing costs + prepaids$10,459.64
Total buyer cash needed$366,426.61
Remaining funds due$366,426.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,659.99
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)$439.25
Initial HOA (3 months)$120.00
Prepaid interest, first (12 days)$15.40
Fees + prepaids$10,459.64
Your down payment is the seller’s equity. You take over the $10,032 balance, so the rest of the $365,999 price is paid at closing. A second mortgage can cover part of it. $366,426.61 is due at closing. Uses and sources reconcile at $376,458.64 each. Not a Closing Disclosure.