Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$344,006Cash toward the purchase price.
Closing costs + prepaids$12,433Not just lender fees.
Before credits & paid funds$356,439The complete starting cash picture.
Estimated remaining funds due at closing
$356,439No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$344,006.16
Your down payment$344,006.16
Closing costs + prepaids$12,433.31
Total buyer cash needed$356,439.47
Remaining funds due$356,439.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,690.00
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)$2,184.75
Initial HOA (3 months)$260.01
Prepaid interest, first (23 days)$73.55
Fees + prepaids$12,433.31
Your down payment is the seller’s equity. You take over the $24,994 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $356,439.47 is due at closing. Uses and sources reconcile at $381,433.31 each. Not a Closing Disclosure.