Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$350,037Cash toward the purchase price.
Closing costs + prepaids$10,535Not just lender fees.
Before credits & paid funds$360,572The complete starting cash picture.
Estimated remaining funds due at closing
$360,572No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$350,037.40
Your down payment$350,037.40
Closing costs + prepaids$10,534.97
Total buyer cash needed$360,572.37
Remaining funds due$360,572.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,650.00
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)$554.00
Initial HOA (3 months)$45.00
Prepaid interest, first (22 days)$60.97
Fees + prepaids$10,534.97
Your down payment is the seller’s equity. You take over the $14,963 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $360,572.37 is due at closing. Uses and sources reconcile at $375,534.97 each. Not a Closing Disclosure.