Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$359,900Cash toward the purchase price.
Closing costs + prepaids$9,289Not just lender fees.
Before credits & paid funds$369,189The complete starting cash picture.
Estimated remaining funds due at closing
$369,189No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$359,900.00
Your down payment$359,900.00
Closing costs + prepaids$9,289.26
Total buyer cash needed$369,189.26
Remaining funds due$369,189.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$3,599.00
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)$463.50
Initial HOA (3 months)$8.76
Fees + prepaids$9,289.26
Your down payment is the seller’s equity. You take over the $0 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $369,189.26 is due at closing. Uses and sources reconcile at $369,189.26 each. Not a Closing Disclosure.