Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$29,374Cash toward the purchase price.
Closing costs + prepaids$11,552Not just lender fees.
Before credits & paid funds$40,926The complete starting cash picture.
Estimated remaining funds due at closing
$40,926No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,373.73
Your down payment$29,373.73
Closing costs + prepaids$11,552.39
Total buyer cash needed$40,926.12
Remaining funds due$40,926.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.90
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)$239.75
Initial HOA (3 months)$222.00
Prepaid interest, first (26 days)$1,365.74
Fees + prepaids$11,552.39
Your down payment is the seller’s equity. You take over the $320,616 balance, so the rest of the $349,990 price is paid at closing. A second mortgage can cover part of it. $40,926.12 is due at closing. Uses and sources reconcile at $361,542.39 each. Not a Closing Disclosure.