Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$141,605Cash toward the purchase price.
Closing costs + prepaids$10,957Not just lender fees.
Before credits & paid funds$152,562The complete starting cash picture.
Estimated remaining funds due at closing
$152,562No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,605.03
Your down payment$141,605.03
Closing costs + prepaids$10,956.58
Total buyer cash needed$152,561.61
Remaining funds due$152,561.61
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)$840.25
Initial HOA (3 months)$300.99
Prepaid interest, first (2 days)$40.34
Fees + prepaids$10,956.58
Your down payment is the seller’s equity. You take over the $213,395 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $152,561.61 is due at closing. Uses and sources reconcile at $365,956.58 each. Not a Closing Disclosure.