Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$332,591Cash toward the purchase price.
Closing costs + prepaids$10,623Not just lender fees.
Before credits & paid funds$343,214The complete starting cash picture.
Estimated remaining funds due at closing
$343,214No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$332,591.13
Your down payment$332,591.13
Closing costs + prepaids$10,622.75
Total buyer cash needed$343,213.88
Remaining funds due$343,213.88
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)$741.25
Initial HOA (3 months)$99.99
Prepaid interest, first (2 days)$6.51
Fees + prepaids$10,622.75
Your down payment is the seller’s equity. You take over the $22,409 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $343,213.88 is due at closing. Uses and sources reconcile at $365,622.75 each. Not a Closing Disclosure.