Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$361,150Cash toward the purchase price.
Closing costs + prepaids$12,041Not just lender fees.
Before credits & paid funds$373,191The complete starting cash picture.
Estimated remaining funds due at closing
$373,191No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$361,150.15
Your down payment$361,150.15
Closing costs + prepaids$12,040.84
Total buyer cash needed$373,190.99
Remaining funds due$373,190.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,690.00
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)$1,393.50
Initial HOA (3 months)$699.00
Prepaid interest, first (23 days)$33.34
Fees + prepaids$12,040.84
Your down payment is the seller’s equity. You take over the $7,850 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $373,190.99 is due at closing. Uses and sources reconcile at $381,040.84 each. Not a Closing Disclosure.