Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$336,474Cash toward the purchase price.
Closing costs + prepaids$10,648Not just lender fees.
Before credits & paid funds$347,122The complete starting cash picture.
Estimated remaining funds due at closing
$347,122No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$336,473.78
Your down payment$336,473.78
Closing costs + prepaids$10,647.89
Total buyer cash needed$347,121.66
Remaining funds due$347,121.66
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)$368.50
Initial HOA (3 months)$501.00
Prepaid interest, first (1 days)$3.39
Fees + prepaids$10,647.89
Your down payment is the seller’s equity. You take over the $18,526 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $347,121.66 is due at closing. Uses and sources reconcile at $365,647.89 each. Not a Closing Disclosure.