Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$355,967Cash toward the purchase price.
Closing costs + prepaids$11,055Not just lender fees.
Before credits & paid funds$367,022The complete starting cash picture.
Estimated remaining funds due at closing
$367,022No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$355,966.97
Your down payment$355,966.97
Closing costs + prepaids$11,055.15
Total buyer cash needed$367,022.11
Remaining funds due$367,022.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,659.99
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)$1,015.50
Initial HOA (3 months)$120.00
Prepaid interest, first (27 days)$34.66
Fees + prepaids$11,055.15
Your down payment is the seller’s equity. You take over the $10,032 balance, so the rest of the $365,999 price is paid at closing. A second mortgage can cover part of it. $367,022.11 is due at closing. Uses and sources reconcile at $377,054.15 each. Not a Closing Disclosure.