Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$329,941Cash toward the purchase price.
Closing costs + prepaids$10,649Not just lender fees.
Before credits & paid funds$340,589The complete starting cash picture.
Estimated remaining funds due at closing
$340,589No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$329,940.81
Your down payment$329,940.81
Closing costs + prepaids$10,648.66
Total buyer cash needed$340,589.47
Remaining funds due$340,589.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,580.00
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)$429.50
Initial HOA (3 months)$375.00
Prepaid interest, first (9 days)$39.16
Fees + prepaids$10,648.66
Your down payment is the seller’s equity. You take over the $28,059 balance, so the rest of the $358,000 price is paid at closing. A second mortgage can cover part of it. $340,589.47 is due at closing. Uses and sources reconcile at $368,648.66 each. Not a Closing Disclosure.