Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$25,949Cash toward the purchase price.
Closing costs + prepaids$10,839Not just lender fees.
Before credits & paid funds$36,789The complete starting cash picture.
Estimated remaining funds due at closing
$36,789No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,949.26
Your down payment$25,949.26
Closing costs + prepaids$10,839.45
Total buyer cash needed$36,788.71
Remaining funds due$36,788.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.00
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)$420.00
Initial HOA (3 months)$336.00
Prepaid interest, first (9 days)$359.45
Fees + prepaids$10,839.45
Your down payment is the seller’s equity. You take over the $323,951 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $36,788.71 is due at closing. Uses and sources reconcile at $360,739.45 each. Not a Closing Disclosure.