Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$337,795Cash toward the purchase price.
Closing costs + prepaids$11,157Not just lender fees.
Before credits & paid funds$348,952The complete starting cash picture.
Estimated remaining funds due at closing
$348,952No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$337,795.27
Your down payment$337,795.27
Closing costs + prepaids$11,156.95
Total buyer cash needed$348,952.22
Remaining funds due$348,952.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$383.25
Initial HOA (3 months)$120.00
Prepaid interest, first (24 days)$278.70
Fees + prepaids$11,156.95
Your down payment is the seller’s equity. You take over the $77,205 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $348,952.22 is due at closing. Uses and sources reconcile at $426,156.95 each. Not a Closing Disclosure.