Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$207,784Cash toward the purchase price.
Closing costs + prepaids$10,508Not just lender fees.
Before credits & paid funds$218,292The complete starting cash picture.
Estimated remaining funds due at closing
$218,292No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,784.10
Your down payment$207,784.10
Closing costs + prepaids$10,507.83
Total buyer cash needed$218,291.93
Remaining funds due$218,291.93
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)$372.50
Initial HOA (3 months)$345.00
Prepaid interest, first (1 days)$15.33
Fees + prepaids$10,507.83
Your down payment is the seller’s equity. You take over the $147,216 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $218,291.93 is due at closing. Uses and sources reconcile at $365,507.83 each. Not a Closing Disclosure.