Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$22,353Cash toward the purchase price.
Closing costs + prepaids$12,043Not just lender fees.
Before credits & paid funds$34,397The complete starting cash picture.
Estimated remaining funds due at closing
$34,397No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,353.31
Your down payment$22,353.31
Closing costs + prepaids$12,043.35
Total buyer cash needed$34,396.67
Remaining funds due$34,396.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,619.00
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)$433.00
Initial HOA (3 months)$261.00
Prepaid interest, first (31 days)$1,505.35
Fees + prepaids$12,043.35
Your down payment is the seller’s equity. You take over the $339,547 balance, so the rest of the $361,900 price is paid at closing. A second mortgage can cover part of it. $34,396.67 is due at closing. Uses and sources reconcile at $373,943.35 each. Not a Closing Disclosure.