Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$9,067Cash toward the purchase price.
Closing costs + prepaids$13,365Not just lender fees.
Before credits & paid funds$22,432The complete starting cash picture.
Estimated remaining funds due at closing
$22,432No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,066.85
Your down payment$9,066.85
Closing costs + prepaids$13,365.03
Total buyer cash needed$22,431.88
Remaining funds due$22,431.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,479.99
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)$1,946.25
Initial HOA (3 months)$156.00
Prepaid interest, first (24 days)$1,557.79
Fees + prepaids$13,365.03
Your down payment is the seller’s equity. You take over the $338,932 balance, so the rest of the $347,999 price is paid at closing. A second mortgage can cover part of it. $22,431.88 is due at closing. Uses and sources reconcile at $361,364.03 each. Not a Closing Disclosure.