Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$26,520Cash toward the purchase price.
Closing costs + prepaids$11,548Not just lender fees.
Before credits & paid funds$38,068The complete starting cash picture.
Estimated remaining funds due at closing
$38,068No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,520.48
Your down payment$26,520.48
Closing costs + prepaids$11,547.58
Total buyer cash needed$38,068.06
Remaining funds due$38,068.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,445.00
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)$413.50
Initial HOA (3 months)$1,140.00
Prepaid interest, first (12 days)$324.08
Fees + prepaids$11,547.58
Your down payment is the seller’s equity. You take over the $317,980 balance, so the rest of the $344,500 price is paid at closing. A second mortgage can cover part of it. $38,068.06 is due at closing. Uses and sources reconcile at $356,047.58 each. Not a Closing Disclosure.