Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$21,762Cash toward the purchase price.
Closing costs + prepaids$12,174Not just lender fees.
Before credits & paid funds$33,936The complete starting cash picture.
Estimated remaining funds due at closing
$33,936No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,762.18
Your down payment$21,762.18
Closing costs + prepaids$12,173.74
Total buyer cash needed$33,935.93
Remaining funds due$33,935.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,490.00
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)$418.75
Initial HOA (3 months)$1,416.00
Prepaid interest, first (10 days)$623.99
Fees + prepaids$12,173.74
Your down payment is the seller’s equity. You take over the $327,238 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $33,935.93 is due at closing. Uses and sources reconcile at $361,173.74 each. Not a Closing Disclosure.