Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$325,645Cash toward the purchase price.
Closing costs + prepaids$10,330Not just lender fees.
Before credits & paid funds$335,975The complete starting cash picture.
Estimated remaining funds due at closing
$335,975No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$325,645.19
Your down payment$325,645.19
Closing costs + prepaids$10,329.65
Total buyer cash needed$335,974.84
Remaining funds due$335,974.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,439.00
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)$412.75
Initial HOA (3 months)$195.00
Prepaid interest, first (17 days)$57.90
Fees + prepaids$10,329.65
Your down payment is the seller’s equity. You take over the $18,255 balance, so the rest of the $343,900 price is paid at closing. A second mortgage can cover part of it. $335,974.84 is due at closing. Uses and sources reconcile at $354,229.65 each. Not a Closing Disclosure.