Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$344,764Cash toward the purchase price.
Closing costs + prepaids$10,542Not just lender fees.
Before credits & paid funds$355,306The complete starting cash picture.
Estimated remaining funds due at closing
$355,306No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$344,764.23
Your down payment$344,764.23
Closing costs + prepaids$10,542.09
Total buyer cash needed$355,306.32
Remaining funds due$355,306.32
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)$426.00
Initial HOA (3 months)$324.00
Prepaid interest, first (9 days)$17.09
Fees + prepaids$10,542.09
Your down payment is the seller’s equity. You take over the $10,236 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $355,306.32 is due at closing. Uses and sources reconcile at $365,542.09 each. Not a Closing Disclosure.