Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$15,572Cash toward the purchase price.
Closing costs + prepaids$13,826Not just lender fees.
Before credits & paid funds$29,398The complete starting cash picture.
Estimated remaining funds due at closing
$29,398No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,571.98
Your down payment$15,571.98
Closing costs + prepaids$13,825.73
Total buyer cash needed$29,397.71
Remaining funds due$29,397.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,545.00
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)$1,539.00
Initial HOA (3 months)$900.00
Prepaid interest, first (23 days)$1,616.73
Fees + prepaids$13,825.73
Your down payment is the seller’s equity. You take over the $338,928 balance, so the rest of the $354,500 price is paid at closing. A second mortgage can cover part of it. $29,397.71 is due at closing. Uses and sources reconcile at $368,325.73 each. Not a Closing Disclosure.