Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$344,242Cash toward the purchase price.
Closing costs + prepaids$12,876Not just lender fees.
Before credits & paid funds$357,118The complete starting cash picture.
Estimated remaining funds due at closing
$357,118No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$344,241.96
Your down payment$344,241.96
Closing costs + prepaids$12,876.20
Total buyer cash needed$357,118.16
Remaining funds due$357,118.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,350.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$415.00
Initial HOA (3 months)$150.00
Prepaid interest, first (21 days)$486.20
Fees + prepaids$12,876.20
Your down payment is the seller’s equity. You take over the $190,758 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $357,118.16 is due at closing. Uses and sources reconcile at $547,876.20 each. Not a Closing Disclosure.