Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$356,331Cash toward the purchase price.
Closing costs + prepaids$11,856Not just lender fees.
Before credits & paid funds$368,187The complete starting cash picture.
Estimated remaining funds due at closing
$368,187No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$356,331.06
Your down payment$356,331.06
Closing costs + prepaids$11,856.34
Total buyer cash needed$368,187.40
Remaining funds due$368,187.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,550.00
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)$546.00
Initial HOA (3 months)$195.00
Prepaid interest, first (6 days)$90.34
Fees + prepaids$11,856.34
Your down payment is the seller’s equity. You take over the $98,669 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $368,187.40 is due at closing. Uses and sources reconcile at $466,856.34 each. Not a Closing Disclosure.