Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$353,763Cash toward the purchase price.
Closing costs + prepaids$12,267Not just lender fees.
Before credits & paid funds$366,030The complete starting cash picture.
Estimated remaining funds due at closing
$366,030No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$353,763.49
Your down payment$353,763.49
Closing costs + prepaids$12,266.56
Total buyer cash needed$366,030.05
Remaining funds due$366,030.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,740.00
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)$1,949.25
Initial HOA (3 months)$267.00
Prepaid interest, first (23 days)$85.31
Fees + prepaids$12,266.56
Your down payment is the seller’s equity. You take over the $20,237 balance, so the rest of the $374,000 price is paid at closing. A second mortgage can cover part of it. $366,030.05 is due at closing. Uses and sources reconcile at $386,266.56 each. Not a Closing Disclosure.