Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$7,504Cash toward the purchase price.
Closing costs + prepaids$12,130Not just lender fees.
Before credits & paid funds$19,633The complete starting cash picture.
Estimated remaining funds due at closing
$19,633No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,503.60
Your down payment$7,503.60
Closing costs + prepaids$12,129.58
Total buyer cash needed$19,633.19
Remaining funds due$19,633.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,549.99
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)$414.50
Initial HOA (3 months)$195.00
Prepaid interest, first (30 days)$1,745.09
Fees + prepaids$12,129.58
Your down payment is the seller’s equity. You take over the $347,495 balance, so the rest of the $354,999 price is paid at closing. A second mortgage can cover part of it. $19,633.19 is due at closing. Uses and sources reconcile at $367,128.58 each. Not a Closing Disclosure.