Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$345,170Cash toward the purchase price.
Closing costs + prepaids$11,582Not just lender fees.
Before credits & paid funds$356,752The complete starting cash picture.
Estimated remaining funds due at closing
$356,752No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$345,170.10
Your down payment$345,170.10
Closing costs + prepaids$11,582.33
Total buyer cash needed$356,752.43
Remaining funds due$356,752.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,890.00
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)$466.75
Initial HOA (3 months)$900.00
Prepaid interest, first (12 days)$100.58
Fees + prepaids$11,582.33
Your down payment is the seller’s equity. You take over the $43,830 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $356,752.43 is due at closing. Uses and sources reconcile at $400,582.33 each. Not a Closing Disclosure.