Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$344,322Cash toward the purchase price.
Closing costs + prepaids$10,675Not just lender fees.
Before credits & paid funds$354,998The complete starting cash picture.
Estimated remaining funds due at closing
$354,998No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$344,322.40
Your down payment$344,322.40
Closing costs + prepaids$10,675.50
Total buyer cash needed$354,997.90
Remaining funds due$354,997.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,549.00
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)$784.50
Initial HOA (3 months)$74.76
Prepaid interest, first (25 days)$42.24
Fees + prepaids$10,675.50
Your down payment is the seller’s equity. You take over the $10,578 balance, so the rest of the $354,900 price is paid at closing. A second mortgage can cover part of it. $354,997.90 is due at closing. Uses and sources reconcile at $365,575.50 each. Not a Closing Disclosure.