Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$365,951Cash toward the purchase price.
Closing costs + prepaids$19,914Not just lender fees.
Before credits & paid funds$385,865The complete starting cash picture.
Estimated remaining funds due at closing
$385,865No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$365,951.00
Your down payment$365,951.00
Closing costs + prepaids$19,914.34
Total buyer cash needed$385,865.34
Remaining funds due$385,865.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,185.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$880.25
Initial HOA (3 months)$3,177.00
Prepaid interest, first (22 days)$1,447.09
Fees + prepaids$19,914.34
Your down payment is the seller’s equity. You take over the $352,549 balance, so the rest of the $718,500 price is paid at closing. A second mortgage can cover part of it. $385,865.34 is due at closing. Uses and sources reconcile at $738,414.34 each. Not a Closing Disclosure.