Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$333,741Cash toward the purchase price.
Closing costs + prepaids$10,640Not just lender fees.
Before credits & paid funds$344,381The complete starting cash picture.
Estimated remaining funds due at closing
$344,381No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$333,741.06
Your down payment$333,741.06
Closing costs + prepaids$10,640.12
Total buyer cash needed$344,381.18
Remaining funds due$344,381.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.00
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)$537.25
Initial HOA (3 months)$285.00
Prepaid interest, first (31 days)$93.87
Fees + prepaids$10,640.12
Your down payment is the seller’s equity. You take over the $16,159 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $344,381.18 is due at closing. Uses and sources reconcile at $360,540.12 each. Not a Closing Disclosure.