Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$18,181Cash toward the purchase price.
Closing costs + prepaids$13,641Not just lender fees.
Before credits & paid funds$31,823The complete starting cash picture.
Estimated remaining funds due at closing
$31,823No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,181.05
Your down payment$18,181.05
Closing costs + prepaids$13,641.48
Total buyer cash needed$31,822.54
Remaining funds due$31,822.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,500.00
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)$2,008.75
Initial HOA (3 months)$165.00
Prepaid interest, first (30 days)$1,742.73
Fees + prepaids$13,641.48
Your down payment is the seller’s equity. You take over the $331,819 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $31,822.54 is due at closing. Uses and sources reconcile at $363,641.48 each. Not a Closing Disclosure.