Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$23,958Cash toward the purchase price.
Closing costs + prepaids$11,564Not just lender fees.
Before credits & paid funds$35,523The complete starting cash picture.
Estimated remaining funds due at closing
$35,523No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,958.33
Your down payment$23,958.33
Closing costs + prepaids$11,564.31
Total buyer cash needed$35,522.64
Remaining funds due$35,522.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,590.00
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)$448.75
Initial HOA (3 months)$345.00
Prepaid interest, first (15 days)$955.56
Fees + prepaids$11,564.31
Your down payment is the seller’s equity. You take over the $335,042 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $35,522.64 is due at closing. Uses and sources reconcile at $370,564.31 each. Not a Closing Disclosure.