Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$346,064Cash toward the purchase price.
Closing costs + prepaids$11,043Not just lender fees.
Before credits & paid funds$357,107The complete starting cash picture.
Estimated remaining funds due at closing
$357,107No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$346,064.15
Your down payment$346,064.15
Closing costs + prepaids$11,043.04
Total buyer cash needed$357,107.19
Remaining funds due$357,107.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,150.00
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)$275.50
Initial HOA (3 months)$137.01
Prepaid interest, first (30 days)$255.53
Fees + prepaids$11,043.04
Your down payment is the seller’s equity. You take over the $68,936 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $357,107.19 is due at closing. Uses and sources reconcile at $426,043.04 each. Not a Closing Disclosure.