Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$18,996Cash toward the purchase price.
Closing costs + prepaids$11,881Not just lender fees.
Before credits & paid funds$30,877The complete starting cash picture.
Estimated remaining funds due at closing
$30,877No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,996.45
Your down payment$18,996.45
Closing costs + prepaids$11,880.55
Total buyer cash needed$30,877.00
Remaining funds due$30,877.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,370.00
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)$404.50
Initial HOA (3 months)$1,449.00
Prepaid interest, first (9 days)$432.05
Fees + prepaids$11,880.55
Your down payment is the seller’s equity. You take over the $318,004 balance, so the rest of the $337,000 price is paid at closing. A second mortgage can cover part of it. $30,877.00 is due at closing. Uses and sources reconcile at $348,880.55 each. Not a Closing Disclosure.