Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$21,476Cash toward the purchase price.
Closing costs + prepaids$11,284Not just lender fees.
Before credits & paid funds$32,760The complete starting cash picture.
Estimated remaining funds due at closing
$32,760No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,476.29
Your down payment$21,476.29
Closing costs + prepaids$11,283.84
Total buyer cash needed$32,760.13
Remaining funds due$32,760.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,495.00
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)$528.25
Initial HOA (3 months)$1,008.00
Prepaid interest, first (1 days)$27.59
Fees + prepaids$11,283.84
Your down payment is the seller’s equity. You take over the $328,024 balance, so the rest of the $349,500 price is paid at closing. A second mortgage can cover part of it. $32,760.13 is due at closing. Uses and sources reconcile at $360,783.84 each. Not a Closing Disclosure.