Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$24,537Cash toward the purchase price.
Closing costs + prepaids$11,589Not just lender fees.
Before credits & paid funds$36,126The complete starting cash picture.
Estimated remaining funds due at closing
$36,126No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,537.26
Your down payment$24,537.26
Closing costs + prepaids$11,588.80
Total buyer cash needed$36,126.05
Remaining funds due$36,126.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,360.00
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)$403.25
Initial HOA (3 months)$1,065.00
Prepaid interest, first (12 days)$535.55
Fees + prepaids$11,588.80
Your down payment is the seller’s equity. You take over the $311,463 balance, so the rest of the $336,000 price is paid at closing. A second mortgage can cover part of it. $36,126.05 is due at closing. Uses and sources reconcile at $347,588.80 each. Not a Closing Disclosure.