Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$16,183Cash toward the purchase price.
Closing costs + prepaids$11,995Not just lender fees.
Before credits & paid funds$28,178The complete starting cash picture.
Estimated remaining funds due at closing
$28,178No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,183.02
Your down payment$16,183.02
Closing costs + prepaids$11,994.71
Total buyer cash needed$28,177.74
Remaining funds due$28,177.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,370.00
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)$733.00
Initial HOA (3 months)$195.00
Prepaid interest, first (26 days)$1,471.71
Fees + prepaids$11,994.71
Your down payment is the seller’s equity. You take over the $320,817 balance, so the rest of the $337,000 price is paid at closing. A second mortgage can cover part of it. $28,177.74 is due at closing. Uses and sources reconcile at $348,994.71 each. Not a Closing Disclosure.