Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$358,223Cash toward the purchase price.
Closing costs + prepaids$13,673Not just lender fees.
Before credits & paid funds$371,896The complete starting cash picture.
Estimated remaining funds due at closing
$371,896No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$358,223.15
Your down payment$358,223.15
Closing costs + prepaids$13,672.79
Total buyer cash needed$371,895.94
Remaining funds due$371,895.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,050.00
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)$726.00
Initial HOA (3 months)$198.00
Prepaid interest, first (10 days)$223.79
Fees + prepaids$13,672.79
Your down payment is the seller’s equity. You take over the $246,777 balance, so the rest of the $605,000 price is paid at closing. A second mortgage can cover part of it. $371,895.94 is due at closing. Uses and sources reconcile at $618,672.79 each. Not a Closing Disclosure.