Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$358,027Cash toward the purchase price.
Closing costs + prepaids$10,578Not just lender fees.
Before credits & paid funds$368,605The complete starting cash picture.
Estimated remaining funds due at closing
$368,605No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$358,026.93
Your down payment$358,026.93
Closing costs + prepaids$10,577.96
Total buyer cash needed$368,604.90
Remaining funds due$368,604.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,690.00
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)$442.75
Initial HOA (3 months)$200.01
Prepaid interest, first (10 days)$20.20
Fees + prepaids$10,577.96
Your down payment is the seller’s equity. You take over the $10,973 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $368,604.90 is due at closing. Uses and sources reconcile at $379,577.96 each. Not a Closing Disclosure.