Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$18,666Cash toward the purchase price.
Closing costs + prepaids$12,972Not just lender fees.
Before credits & paid funds$31,637The complete starting cash picture.
Estimated remaining funds due at closing
$31,637No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,665.77
Your down payment$18,665.77
Closing costs + prepaids$12,971.62
Total buyer cash needed$31,637.39
Remaining funds due$31,637.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,489.00
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)$902.50
Initial HOA (3 months)$504.00
Prepaid interest, first (30 days)$1,851.12
Fees + prepaids$12,971.62
Your down payment is the seller’s equity. You take over the $330,234 balance, so the rest of the $348,900 price is paid at closing. A second mortgage can cover part of it. $31,637.39 is due at closing. Uses and sources reconcile at $361,871.62 each. Not a Closing Disclosure.