Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$18,712Cash toward the purchase price.
Closing costs + prepaids$13,025Not just lender fees.
Before credits & paid funds$31,737The complete starting cash picture.
Estimated remaining funds due at closing
$31,737No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,711.98
Your down payment$18,711.98
Closing costs + prepaids$13,024.55
Total buyer cash needed$31,736.53
Remaining funds due$31,736.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,434.90
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)$1,123.25
Initial HOA (3 months)$242.01
Prepaid interest, first (30 days)$1,999.39
Fees + prepaids$13,024.55
Your down payment is the seller’s equity. You take over the $324,778 balance, so the rest of the $343,490 price is paid at closing. A second mortgage can cover part of it. $31,736.53 is due at closing. Uses and sources reconcile at $356,514.55 each. Not a Closing Disclosure.