Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$345,357Cash toward the purchase price.
Closing costs + prepaids$10,561Not just lender fees.
Before credits & paid funds$355,918The complete starting cash picture.
Estimated remaining funds due at closing
$355,918No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$345,357.12
Your down payment$345,357.12
Closing costs + prepaids$10,560.89
Total buyer cash needed$355,918.01
Remaining funds due$355,918.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.00
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)$701.50
Initial HOA (3 months)$116.01
Prepaid interest, first (23 days)$19.38
Fees + prepaids$10,560.89
Your down payment is the seller’s equity. You take over the $4,543 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $355,918.01 is due at closing. Uses and sources reconcile at $360,460.89 each. Not a Closing Disclosure.