Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$321,894Cash toward the purchase price.
Closing costs + prepaids$10,696Not just lender fees.
Before credits & paid funds$332,590The complete starting cash picture.
Estimated remaining funds due at closing
$332,590No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$321,894.12
Your down payment$321,894.12
Closing costs + prepaids$10,696.08
Total buyer cash needed$332,590.21
Remaining funds due$332,590.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,650.00
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)$438.00
Initial HOA (3 months)$297.00
Prepaid interest, first (9 days)$86.08
Fees + prepaids$10,696.08
Your down payment is the seller’s equity. You take over the $43,106 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $332,590.21 is due at closing. Uses and sources reconcile at $375,696.08 each. Not a Closing Disclosure.