Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$347,824Cash toward the purchase price.
Closing costs + prepaids$11,759Not just lender fees.
Before credits & paid funds$359,583The complete starting cash picture.
Estimated remaining funds due at closing
$359,583No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$347,824.30
Your down payment$347,824.30
Closing costs + prepaids$11,758.86
Total buyer cash needed$359,583.15
Remaining funds due$359,583.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,249.00
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)$319.75
Initial HOA (3 months)$951.00
Prepaid interest, first (2 days)$14.11
Fees + prepaids$11,758.86
Your down payment is the seller’s equity. You take over the $77,076 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $359,583.15 is due at closing. Uses and sources reconcile at $436,658.86 each. Not a Closing Disclosure.