Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$5,901Cash toward the purchase price.
Closing costs + prepaids$12,325Not just lender fees.
Before credits & paid funds$18,226The complete starting cash picture.
Estimated remaining funds due at closing
$18,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,901.12
Your down payment$5,901.12
Closing costs + prepaids$12,324.72
Total buyer cash needed$18,225.84
Remaining funds due$18,225.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,440.00
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)$412.75
Initial HOA (3 months)$1,500.00
Prepaid interest, first (12 days)$746.97
Fees + prepaids$12,324.72
Your down payment is the seller’s equity. You take over the $338,099 balance, so the rest of the $344,000 price is paid at closing. A second mortgage can cover part of it. $18,225.84 is due at closing. Uses and sources reconcile at $356,324.72 each. Not a Closing Disclosure.