Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$364,900Cash toward the purchase price.
Closing costs + prepaids$10,419Not just lender fees.
Before credits & paid funds$375,318The complete starting cash picture.
Estimated remaining funds due at closing
$375,318No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$364,900.00
Your down payment$364,900.00
Closing costs + prepaids$10,418.50
Total buyer cash needed$375,318.50
Remaining funds due$375,318.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,649.00
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)$529.50
Initial HOA (3 months)$15.00
Prepaid interest, first (27 days)$0.00
Fees + prepaids$10,418.50
Your down payment is the seller’s equity. You take over the $0 balance, so the rest of the $364,900 price is paid at closing. A second mortgage can cover part of it. $375,318.50 is due at closing. Uses and sources reconcile at $375,318.50 each. Not a Closing Disclosure.