Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$11,920Cash toward the purchase price.
Closing costs + prepaids$12,628Not just lender fees.
Before credits & paid funds$24,548The complete starting cash picture.
Estimated remaining funds due at closing
$24,548No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,919.85
Your down payment$11,919.85
Closing costs + prepaids$12,628.07
Total buyer cash needed$24,547.92
Remaining funds due$24,547.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,430.00
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)$857.50
Initial HOA (3 months)$1,272.00
Prepaid interest, first (31 days)$843.57
Fees + prepaids$12,628.07
Your down payment is the seller’s equity. You take over the $331,080 balance, so the rest of the $343,000 price is paid at closing. A second mortgage can cover part of it. $24,547.92 is due at closing. Uses and sources reconcile at $355,628.07 each. Not a Closing Disclosure.