Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$356,808Cash toward the purchase price.
Closing costs + prepaids$17,413Not just lender fees.
Before credits & paid funds$374,222The complete starting cash picture.
Estimated remaining funds due at closing
$374,222No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$356,808.43
Your down payment$356,808.43
Closing costs + prepaids$17,413.22
Total buyer cash needed$374,221.65
Remaining funds due$374,221.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,170.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,792.50
Initial HOA (3 months)$231.00
Prepaid interest, first (28 days)$994.72
Fees + prepaids$17,413.22
Your down payment is the seller’s equity. You take over the $360,192 balance, so the rest of the $717,000 price is paid at closing. A second mortgage can cover part of it. $374,221.65 is due at closing. Uses and sources reconcile at $734,413.22 each. Not a Closing Disclosure.