Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$11,184Cash toward the purchase price.
Closing costs + prepaids$13,829Not just lender fees.
Before credits & paid funds$25,012The complete starting cash picture.
Estimated remaining funds due at closing
$25,012No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,183.57
Your down payment$11,183.57
Closing costs + prepaids$13,828.59
Total buyer cash needed$25,012.16
Remaining funds due$25,012.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,590.00
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)$1,956.25
Initial HOA (3 months)$708.00
Prepaid interest, first (30 days)$1,349.34
Fees + prepaids$13,828.59
Your down payment is the seller’s equity. You take over the $347,816 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $25,012.16 is due at closing. Uses and sources reconcile at $372,828.59 each. Not a Closing Disclosure.