Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$18,631Cash toward the purchase price.
Closing costs + prepaids$11,726Not just lender fees.
Before credits & paid funds$30,357The complete starting cash picture.
Estimated remaining funds due at closing
$30,357No 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$11,726.04
Total buyer cash needed$30,357.35
Remaining funds due$30,357.35
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)$694.00
Initial HOA (3 months)$204.00
Prepaid interest, first (27 days)$1,103.05
Fees + prepaids$11,726.04
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. $30,357.35 is due at closing. Uses and sources reconcile at $361,725.04 each. Not a Closing Disclosure.