Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$25,749Cash toward the purchase price.
Closing costs + prepaids$12,589Not just lender fees.
Before credits & paid funds$38,338The complete starting cash picture.
Estimated remaining funds due at closing
$38,338No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,749.23
Your down payment$25,749.23
Closing costs + prepaids$12,588.57
Total buyer cash needed$38,337.80
Remaining funds due$38,337.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,575.00
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)$1,107.75
Initial HOA (3 months)$345.00
Prepaid interest, first (23 days)$1,335.82
Fees + prepaids$12,588.57
Your down payment is the seller’s equity. You take over the $331,751 balance, so the rest of the $357,500 price is paid at closing. A second mortgage can cover part of it. $38,337.80 is due at closing. Uses and sources reconcile at $370,088.57 each. Not a Closing Disclosure.