Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$258,742Cash toward the purchase price.
Closing costs + prepaids$10,385Not just lender fees.
Before credits & paid funds$269,127The complete starting cash picture.
Estimated remaining funds due at closing
$269,127No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,741.99
Your down payment$258,741.99
Closing costs + prepaids$10,385.06
Total buyer cash needed$269,127.04
Remaining funds due$269,127.04
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)$274.50
Initial HOA (3 months)$297.00
Prepaid interest, first (2 days)$38.56
Fees + prepaids$10,385.06
Your down payment is the seller’s equity. You take over the $96,258 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $269,127.04 is due at closing. Uses and sources reconcile at $365,385.06 each. Not a Closing Disclosure.