Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$18,631Cash toward the purchase price.
Closing costs + prepaids$10,717Not just lender fees.
Before credits & paid funds$29,348The complete starting cash picture.
Estimated remaining funds due at closing
$29,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,631.31
Your down payment$18,631.31
Closing costs + prepaids$10,716.67
Total buyer cash needed$29,347.98
Remaining funds due$29,347.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.99
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)$420.00
Initial HOA (3 months)$204.00
Prepaid interest, first (9 days)$367.68
Fees + prepaids$10,716.67
Your down payment is the seller’s equity. You take over the $331,368 balance, so the rest of the $349,999 price is paid at closing. A second mortgage can cover part of it. $29,347.98 is due at closing. Uses and sources reconcile at $360,715.67 each. Not a Closing Disclosure.