Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$356,832Cash toward the purchase price.
Closing costs + prepaids$14,316Not just lender fees.
Before credits & paid funds$371,148The complete starting cash picture.
Estimated remaining funds due at closing
$371,148No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$356,831.73
Your down payment$356,831.73
Closing costs + prepaids$14,315.90
Total buyer cash needed$371,147.63
Remaining funds due$371,147.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,800.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,363.00
Initial HOA (3 months)$76.26
Prepaid interest, first (24 days)$601.64
Fees + prepaids$14,315.90
Your down payment is the seller’s equity. You take over the $223,168 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $371,147.63 is due at closing. Uses and sources reconcile at $594,315.90 each. Not a Closing Disclosure.