Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$20,822Cash toward the purchase price.
Closing costs + prepaids$12,583Not just lender fees.
Before credits & paid funds$33,405The complete starting cash picture.
Estimated remaining funds due at closing
$33,405No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,821.73
Your down payment$20,821.73
Closing costs + prepaids$12,583.26
Total buyer cash needed$33,404.99
Remaining funds due$33,404.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$825.75
Initial HOA (3 months)$27.24
Prepaid interest, first (30 days)$1,906.27
Fees + prepaids$12,583.26
Your down payment is the seller’s equity. You take over the $339,078 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $33,404.99 is due at closing. Uses and sources reconcile at $372,483.26 each. Not a Closing Disclosure.