Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$358,979Cash toward the purchase price.
Closing costs + prepaids$17,415Not just lender fees.
Before credits & paid funds$376,395The complete starting cash picture.
Estimated remaining funds due at closing
$376,395No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$358,979.27
Your down payment$358,979.27
Closing costs + prepaids$17,415.46
Total buyer cash needed$376,394.73
Remaining funds due$376,394.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,149.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,787.25
Initial HOA (3 months)$345.00
Prepaid interest, first (28 days)$909.21
Fees + prepaids$17,415.46
Your down payment is the seller’s equity. You take over the $355,921 balance, so the rest of the $714,900 price is paid at closing. A second mortgage can cover part of it. $376,394.73 is due at closing. Uses and sources reconcile at $732,315.46 each. Not a Closing Disclosure.