Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$359,140Cash toward the purchase price.
Closing costs + prepaids$11,820Not just lender fees.
Before credits & paid funds$370,960The complete starting cash picture.
Estimated remaining funds due at closing
$370,960No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$359,139.69
Your down payment$359,139.69
Closing costs + prepaids$11,820.10
Total buyer cash needed$370,959.79
Remaining funds due$370,959.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,740.00
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)$488.00
Initial HOA (3 months)$1,293.00
Prepaid interest, first (28 days)$74.10
Fees + prepaids$11,820.10
Your down payment is the seller’s equity. You take over the $14,860 balance, so the rest of the $374,000 price is paid at closing. A second mortgage can cover part of it. $370,959.79 is due at closing. Uses and sources reconcile at $385,820.10 each. Not a Closing Disclosure.