Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$327,607Cash toward the purchase price.
Closing costs + prepaids$10,828Not just lender fees.
Before credits & paid funds$338,435The complete starting cash picture.
Estimated remaining funds due at closing
$338,435No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$327,606.84
Your down payment$327,606.84
Closing costs + prepaids$10,828.05
Total buyer cash needed$338,434.89
Remaining funds due$338,434.89
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)$542.50
Initial HOA (3 months)$309.00
Prepaid interest, first (24 days)$101.55
Fees + prepaids$10,828.05
Your down payment is the seller’s equity. You take over the $37,393 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $338,434.89 is due at closing. Uses and sources reconcile at $375,828.05 each. Not a Closing Disclosure.