Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$3,109Cash toward the purchase price.
Closing costs + prepaids$11,124Not just lender fees.
Before credits & paid funds$14,233The complete starting cash picture.
Estimated remaining funds due at closing
$14,233No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,109.05
Your down payment$3,109.05
Closing costs + prepaids$11,124.29
Total buyer cash needed$14,233.34
Remaining funds due$14,233.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,474.99
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)$434.25
Initial HOA (3 months)$81.24
Prepaid interest, first (14 days)$908.81
Fees + prepaids$11,124.29
Your down payment is the seller’s equity. You take over the $344,390 balance, so the rest of the $347,499 price is paid at closing. A second mortgage can cover part of it. $14,233.34 is due at closing. Uses and sources reconcile at $358,623.29 each. Not a Closing Disclosure.