Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$356,070Cash toward the purchase price.
Closing costs + prepaids$11,986Not just lender fees.
Before credits & paid funds$368,056The complete starting cash picture.
Estimated remaining funds due at closing
$368,056No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$356,070.10
Your down payment$356,070.10
Closing costs + prepaids$11,985.58
Total buyer cash needed$368,055.68
Remaining funds due$368,055.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.00
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)$601.75
Initial HOA (3 months)$900.00
Prepaid interest, first (31 days)$259.83
Fees + prepaids$11,985.58
Your down payment is the seller’s equity. You take over the $43,830 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $368,055.68 is due at closing. Uses and sources reconcile at $411,885.58 each. Not a Closing Disclosure.