Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$28,259Cash toward the purchase price.
Closing costs + prepaids$13,288Not just lender fees.
Before credits & paid funds$41,547The complete starting cash picture.
Estimated remaining funds due at closing
$41,547No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,259.31
Your down payment$28,259.31
Closing costs + prepaids$13,287.82
Total buyer cash needed$41,547.14
Remaining funds due$41,547.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,479.00
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)$1,343.25
Initial HOA (3 months)$659.01
Prepaid interest, first (30 days)$1,581.56
Fees + prepaids$13,287.82
Your down payment is the seller’s equity. You take over the $319,641 balance, so the rest of the $347,900 price is paid at closing. A second mortgage can cover part of it. $41,547.14 is due at closing. Uses and sources reconcile at $361,187.82 each. Not a Closing Disclosure.