Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$358,262Cash toward the purchase price.
Closing costs + prepaids$12,096Not just lender fees.
Before credits & paid funds$370,357The complete starting cash picture.
Estimated remaining funds due at closing
$370,357No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$358,261.67
Your down payment$358,261.67
Closing costs + prepaids$12,095.57
Total buyer cash needed$370,357.24
Remaining funds due$370,357.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,499.00
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)$758.50
Initial HOA (3 months)$330.00
Prepaid interest, first (25 days)$283.07
Fees + prepaids$12,095.57
Your down payment is the seller’s equity. You take over the $91,638 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $370,357.24 is due at closing. Uses and sources reconcile at $461,995.57 each. Not a Closing Disclosure.