Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$342,797Cash toward the purchase price.
Closing costs + prepaids$10,779Not just lender fees.
Before credits & paid funds$353,576The complete starting cash picture.
Estimated remaining funds due at closing
$353,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$342,797.46
Your down payment$342,797.46
Closing costs + prepaids$10,778.73
Total buyer cash needed$353,576.19
Remaining funds due$353,576.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,488.00
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)$1,001.25
Initial HOA (3 months)$33.00
Prepaid interest, first (27 days)$31.48
Fees + prepaids$10,778.73
Your down payment is the seller’s equity. You take over the $6,003 balance, so the rest of the $348,800 price is paid at closing. A second mortgage can cover part of it. $353,576.19 is due at closing. Uses and sources reconcile at $359,578.73 each. Not a Closing Disclosure.