Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$330,354Cash toward the purchase price.
Closing costs + prepaids$11,902Not just lender fees.
Before credits & paid funds$342,256The complete starting cash picture.
Estimated remaining funds due at closing
$342,256No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$330,354.45
Your down payment$330,354.45
Closing costs + prepaids$11,901.69
Total buyer cash needed$342,256.14
Remaining funds due$342,256.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$1,804.50
Initial HOA (3 months)$165.00
Prepaid interest, first (30 days)$157.19
Fees + prepaids$11,901.69
Your down payment is the seller’s equity. You take over the $24,646 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $342,256.14 is due at closing. Uses and sources reconcile at $366,901.69 each. Not a Closing Disclosure.