Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$331,485Cash toward the purchase price.
Closing costs + prepaids$10,659Not just lender fees.
Before credits & paid funds$342,144The complete starting cash picture.
Estimated remaining funds due at closing
$342,144No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,484.97
Your down payment$331,484.97
Closing costs + prepaids$10,658.65
Total buyer cash needed$342,143.62
Remaining funds due$342,143.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.90
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 (19 days)$64.25
Fees + prepaids$10,658.65
Your down payment is the seller’s equity. You take over the $18,505 balance, so the rest of the $349,990 price is paid at closing. A second mortgage can cover part of it. $342,143.62 is due at closing. Uses and sources reconcile at $360,648.65 each. Not a Closing Disclosure.