Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$22,334Cash toward the purchase price.
Closing costs + prepaids$11,810Not just lender fees.
Before credits & paid funds$34,144The complete starting cash picture.
Estimated remaining funds due at closing
$34,144No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,333.83
Your down payment$22,333.83
Closing costs + prepaids$11,810.06
Total buyer cash needed$34,143.88
Remaining funds due$34,143.88
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)$436.25
Initial HOA (3 months)$609.00
Prepaid interest, first (17 days)$1,049.81
Fees + prepaids$11,810.06
Your down payment is the seller’s equity. You take over the $326,666 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $34,143.88 is due at closing. Uses and sources reconcile at $360,810.06 each. Not a Closing Disclosure.