Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$350,996Cash toward the purchase price.
Closing costs + prepaids$13,411Not just lender fees.
Before credits & paid funds$364,408The complete starting cash picture.
Estimated remaining funds due at closing
$364,408No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$350,996.31
Your down payment$350,996.31
Closing costs + prepaids$13,411.40
Total buyer cash needed$364,407.71
Remaining funds due$364,407.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,580.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$433.00
Initial HOA (3 months)$474.00
Prepaid interest, first (28 days)$449.40
Fees + prepaids$13,411.40
Your down payment is the seller’s equity. You take over the $207,004 balance, so the rest of the $558,000 price is paid at closing. A second mortgage can cover part of it. $364,407.71 is due at closing. Uses and sources reconcile at $571,411.40 each. Not a Closing Disclosure.