Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$247,590Cash toward the purchase price.
Closing costs + prepaids$10,437Not just lender fees.
Before credits & paid funds$258,027The complete starting cash picture.
Estimated remaining funds due at closing
$258,027No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$247,589.67
Your down payment$247,589.67
Closing costs + prepaids$10,436.91
Total buyer cash needed$258,026.58
Remaining funds due$258,026.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$374.00
Initial HOA (3 months)$41.25
Prepaid interest, first (22 days)$246.66
Fees + prepaids$10,436.91
Your down payment is the seller’s equity. You take over the $107,410 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $258,026.58 is due at closing. Uses and sources reconcile at $365,436.91 each. Not a Closing Disclosure.