Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$343,486Cash toward the purchase price.
Closing costs + prepaids$13,854Not just lender fees.
Before credits & paid funds$357,340The complete starting cash picture.
Estimated remaining funds due at closing
$357,340No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$343,486.23
Your down payment$343,486.23
Closing costs + prepaids$13,853.79
Total buyer cash needed$357,340.01
Remaining funds due$357,340.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,550.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,121.50
Initial HOA (3 months)$87.00
Prepaid interest, first (24 days)$620.29
Fees + prepaids$13,853.79
Your down payment is the seller’s equity. You take over the $211,514 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $357,340.01 is due at closing. Uses and sources reconcile at $568,853.79 each. Not a Closing Disclosure.