Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$354,506Cash toward the purchase price.
Closing costs + prepaids$10,523Not just lender fees.
Before credits & paid funds$365,029The complete starting cash picture.
Estimated remaining funds due at closing
$365,029No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$354,506.28
Your down payment$354,506.28
Closing costs + prepaids$10,522.79
Total buyer cash needed$365,029.07
Remaining funds due$365,029.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,724.00
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)$488.75
Initial HOA (3 months)$34.74
Prepaid interest, first (27 days)$50.30
Fees + prepaids$10,522.79
Your down payment is the seller’s equity. You take over the $17,894 balance, so the rest of the $372,400 price is paid at closing. A second mortgage can cover part of it. $365,029.07 is due at closing. Uses and sources reconcile at $382,922.79 each. Not a Closing Disclosure.