Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$360,263Cash toward the purchase price.
Closing costs + prepaids$11,213Not just lender fees.
Before credits & paid funds$371,476The complete starting cash picture.
Estimated remaining funds due at closing
$371,476No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$360,263.02
Your down payment$360,263.02
Closing costs + prepaids$11,212.75
Total buyer cash needed$371,475.77
Remaining funds due$371,475.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,249.00
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)$531.50
Initial HOA (3 months)$48.00
Prepaid interest, first (23 days)$159.25
Fees + prepaids$11,212.75
Your down payment is the seller’s equity. You take over the $64,637 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $371,475.77 is due at closing. Uses and sources reconcile at $436,112.75 each. Not a Closing Disclosure.