Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$353,681Cash toward the purchase price.
Closing costs + prepaids$13,348Not just lender fees.
Before credits & paid funds$367,029The complete starting cash picture.
Estimated remaining funds due at closing
$367,029No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$353,680.54
Your down payment$353,680.54
Closing costs + prepaids$13,348.02
Total buyer cash needed$367,028.56
Remaining funds due$367,028.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,096.50
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$802.75
Initial HOA (3 months)$219.99
Prepaid interest, first (30 days)$753.78
Fees + prepaids$13,348.02
Your down payment is the seller’s equity. You take over the $155,969 balance, so the rest of the $509,650 price is paid at closing. A second mortgage can cover part of it. $367,028.56 is due at closing. Uses and sources reconcile at $522,998.02 each. Not a Closing Disclosure.