Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$356,373Cash toward the purchase price.
Closing costs + prepaids$11,163Not just lender fees.
Before credits & paid funds$367,536The complete starting cash picture.
Estimated remaining funds due at closing
$367,536No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$356,373.05
Your down payment$356,373.05
Closing costs + prepaids$11,162.97
Total buyer cash needed$367,536.03
Remaining funds due$367,536.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,249.99
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)$418.50
Initial HOA (3 months)$48.00
Prepaid interest, first (31 days)$221.48
Fees + prepaids$11,162.97
Your down payment is the seller’s equity. You take over the $68,626 balance, so the rest of the $424,999 price is paid at closing. A second mortgage can cover part of it. $367,536.03 is due at closing. Uses and sources reconcile at $436,161.97 each. Not a Closing Disclosure.