Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$354,785Cash toward the purchase price.
Closing costs + prepaids$12,392Not just lender fees.
Before credits & paid funds$367,177The complete starting cash picture.
Estimated remaining funds due at closing
$367,177No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$354,784.68
Your down payment$354,784.68
Closing costs + prepaids$12,392.05
Total buyer cash needed$367,176.73
Remaining funds due$367,176.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,690.00
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)$1,176.00
Initial HOA (3 months)$1,221.00
Prepaid interest, first (31 days)$80.05
Fees + prepaids$12,392.05
Your down payment is the seller’s equity. You take over the $14,215 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $367,176.73 is due at closing. Uses and sources reconcile at $381,392.05 each. Not a Closing Disclosure.