Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$22,342Cash toward the purchase price.
Closing costs + prepaids$11,376Not just lender fees.
Before credits & paid funds$33,718The complete starting cash picture.
Estimated remaining funds due at closing
$33,718No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,341.79
Your down payment$22,341.79
Closing costs + prepaids$11,376.48
Total buyer cash needed$33,718.27
Remaining funds due$33,718.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,385.00
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)$423.25
Initial HOA (3 months)$555.00
Prepaid interest, first (14 days)$788.23
Fees + prepaids$11,376.48
Your down payment is the seller’s equity. You take over the $316,158 balance, so the rest of the $338,500 price is paid at closing. A second mortgage can cover part of it. $33,718.27 is due at closing. Uses and sources reconcile at $349,876.48 each. Not a Closing Disclosure.