Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$339,696Cash toward the purchase price.
Closing costs + prepaids$10,733Not just lender fees.
Before credits & paid funds$350,429The complete starting cash picture.
Estimated remaining funds due at closing
$350,429No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$339,696.18
Your down payment$339,696.18
Closing costs + prepaids$10,732.71
Total buyer cash needed$350,428.89
Remaining funds due$350,428.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.00
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)$874.75
Initial HOA (3 months)$82.50
Prepaid interest, first (26 days)$51.46
Fees + prepaids$10,732.71
Your down payment is the seller’s equity. You take over the $10,204 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $350,428.89 is due at closing. Uses and sources reconcile at $360,632.71 each. Not a Closing Disclosure.