Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$23,069Cash toward the purchase price.
Closing costs + prepaids$12,415Not just lender fees.
Before credits & paid funds$35,484The complete starting cash picture.
Estimated remaining funds due at closing
$35,484No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,068.66
Your down payment$23,068.66
Closing costs + prepaids$12,415.14
Total buyer cash needed$35,483.80
Remaining funds due$35,483.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,380.00
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)$530.75
Initial HOA (3 months)$693.00
Prepaid interest, first (29 days)$1,586.39
Fees + prepaids$12,415.14
Your down payment is the seller’s equity. You take over the $314,931 balance, so the rest of the $338,000 price is paid at closing. A second mortgage can cover part of it. $35,483.80 is due at closing. Uses and sources reconcile at $350,415.14 each. Not a Closing Disclosure.