Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$35,270Cash toward the purchase price.
Closing costs + prepaids$11,336Not just lender fees.
Before credits & paid funds$46,607The complete starting cash picture.
Estimated remaining funds due at closing
$46,607No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,270.39
Your down payment$35,270.39
Closing costs + prepaids$11,336.21
Total buyer cash needed$46,606.60
Remaining funds due$46,606.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,380.00
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)$422.50
Initial HOA (3 months)$405.00
Prepaid interest, first (16 days)$903.71
Fees + prepaids$11,336.21
Your down payment is the seller’s equity. You take over the $302,730 balance, so the rest of the $338,000 price is paid at closing. A second mortgage can cover part of it. $46,606.60 is due at closing. Uses and sources reconcile at $349,336.21 each. Not a Closing Disclosure.