Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$359,266Cash toward the purchase price.
Closing costs + prepaids$10,742Not just lender fees.
Before credits & paid funds$370,008The complete starting cash picture.
Estimated remaining funds due at closing
$370,008No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$359,266.47
Your down payment$359,266.47
Closing costs + prepaids$10,741.94
Total buyer cash needed$370,008.42
Remaining funds due$370,008.42
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)$620.25
Initial HOA (3 months)$180.00
Prepaid interest, first (26 days)$26.69
Fees + prepaids$10,741.94
Your down payment is the seller’s equity. You take over the $9,734 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $370,008.42 is due at closing. Uses and sources reconcile at $379,741.94 each. Not a Closing Disclosure.