Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$4,012Cash toward the purchase price.
Closing costs + prepaids$11,514Not just lender fees.
Before credits & paid funds$15,526The complete starting cash picture.
Estimated remaining funds due at closing
$15,526No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,012.24
Your down payment$4,012.24
Closing costs + prepaids$11,513.68
Total buyer cash needed$15,525.92
Remaining funds due$15,525.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,500.00
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)$437.50
Initial HOA (3 months)$510.00
Prepaid interest, first (17 days)$841.18
Fees + prepaids$11,513.68
Your down payment is the seller’s equity. You take over the $345,988 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $15,525.92 is due at closing. Uses and sources reconcile at $361,513.68 each. Not a Closing Disclosure.