Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$348,484Cash toward the purchase price.
Closing costs + prepaids$10,761Not just lender fees.
Before credits & paid funds$359,245The complete starting cash picture.
Estimated remaining funds due at closing
$359,245No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$348,483.95
Your down payment$348,483.95
Closing costs + prepaids$10,761.05
Total buyer cash needed$359,245.00
Remaining funds due$359,245.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,698.88
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)$566.25
Initial HOA (3 months)$225.00
Prepaid interest, first (27 days)$45.92
Fees + prepaids$10,761.05
Your down payment is the seller’s equity. You take over the $21,404 balance, so the rest of the $369,888 price is paid at closing. A second mortgage can cover part of it. $359,245.00 is due at closing. Uses and sources reconcile at $380,649.05 each. Not a Closing Disclosure.