Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$21,219Cash toward the purchase price.
Closing costs + prepaids$11,145Not just lender fees.
Before credits & paid funds$32,364The complete starting cash picture.
Estimated remaining funds due at closing
$32,364No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,219.15
Your down payment$21,219.15
Closing costs + prepaids$11,144.53
Total buyer cash needed$32,363.68
Remaining funds due$32,363.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$432.00
Initial HOA (3 months)$324.00
Prepaid interest, first (9 days)$564.53
Fees + prepaids$11,144.53
Your down payment is the seller’s equity. You take over the $338,681 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $32,363.68 is due at closing. Uses and sources reconcile at $371,044.53 each. Not a Closing Disclosure.