Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$344,965Cash toward the purchase price.
Closing costs + prepaids$10,415Not just lender fees.
Before credits & paid funds$355,380The complete starting cash picture.
Estimated remaining funds due at closing
$355,380No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$344,965.14
Your down payment$344,965.14
Closing costs + prepaids$10,414.84
Total buyer cash needed$355,379.98
Remaining funds due$355,379.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.99
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)$467.25
Initial HOA (3 months)$195.00
Prepaid interest, first (30 days)$27.60
Fees + prepaids$10,414.84
Your down payment is the seller’s equity. You take over the $5,034 balance, so the rest of the $349,999 price is paid at closing. A second mortgage can cover part of it. $355,379.98 is due at closing. Uses and sources reconcile at $360,413.84 each. Not a Closing Disclosure.