Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$15,509Cash toward the purchase price.
Closing costs + prepaids$11,061Not just lender fees.
Before credits & paid funds$26,570The complete starting cash picture.
Estimated remaining funds due at closing
$26,570No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,509.14
Your down payment$15,509.14
Closing costs + prepaids$11,060.91
Total buyer cash needed$26,570.04
Remaining funds due$26,570.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,448.00
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)$413.75
Initial HOA (3 months)$225.00
Prepaid interest, first (12 days)$749.16
Fees + prepaids$11,060.91
Your down payment is the seller’s equity. You take over the $329,291 balance, so the rest of the $344,800 price is paid at closing. A second mortgage can cover part of it. $26,570.04 is due at closing. Uses and sources reconcile at $355,860.91 each. Not a Closing Disclosure.