Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$23,581Cash toward the purchase price.
Closing costs + prepaids$13,141Not just lender fees.
Before credits & paid funds$36,722The complete starting cash picture.
Estimated remaining funds due at closing
$36,722No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,580.79
Your down payment$23,580.79
Closing costs + prepaids$13,140.76
Total buyer cash needed$36,721.55
Remaining funds due$36,721.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,490.00
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)$1,572.00
Initial HOA (3 months)$732.00
Prepaid interest, first (18 days)$1,121.76
Fees + prepaids$13,140.76
Your down payment is the seller’s equity. You take over the $325,419 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $36,721.55 is due at closing. Uses and sources reconcile at $362,140.76 each. Not a Closing Disclosure.