Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$342,756Cash toward the purchase price.
Closing costs + prepaids$20,694Not just lender fees.
Before credits & paid funds$363,450The complete starting cash picture.
Estimated remaining funds due at closing
$363,450No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$342,756.14
Your down payment$342,756.14
Closing costs + prepaids$20,693.70
Total buyer cash needed$363,449.84
Remaining funds due$363,449.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,999.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,250.00
Initial HOA (3 months)$585.00
Prepaid interest, first (29 days)$1,633.71
Fees + prepaids$20,693.70
Your down payment is the seller’s equity. You take over the $557,243 balance, so the rest of the $899,999 price is paid at closing. A second mortgage can cover part of it. $363,449.84 is due at closing. Uses and sources reconcile at $920,692.70 each. Not a Closing Disclosure.