Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$272,704Cash toward the purchase price.
Closing costs + prepaids$10,180Not just lender fees.
Before credits & paid funds$282,885The complete starting cash picture.
Estimated remaining funds due at closing
$282,885No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,704.39
Your down payment$272,704.39
Closing costs + prepaids$10,180.30
Total buyer cash needed$282,884.69
Remaining funds due$282,884.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$171.25
Initial HOA (3 months)$30.00
Prepaid interest, first (25 days)$204.05
Fees + prepaids$10,180.30
Your down payment is the seller’s equity. You take over the $82,296 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $282,884.69 is due at closing. Uses and sources reconcile at $365,180.30 each. Not a Closing Disclosure.