Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$340,117Cash toward the purchase price.
Closing costs + prepaids$10,652Not just lender fees.
Before credits & paid funds$350,769The complete starting cash picture.
Estimated remaining funds due at closing
$350,769No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$340,117.06
Your down payment$340,117.06
Closing costs + prepaids$10,651.98
Total buyer cash needed$350,769.04
Remaining funds due$350,769.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.00
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)$367.25
Initial HOA (3 months)$90.00
Prepaid interest, first (22 days)$170.73
Fees + prepaids$10,651.98
Your down payment is the seller’s equity. You take over the $39,783 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $350,769.04 is due at closing. Uses and sources reconcile at $390,551.98 each. Not a Closing Disclosure.