Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$11,249Cash toward the purchase price.
Closing costs + prepaids$12,342Not just lender fees.
Before credits & paid funds$23,590The complete starting cash picture.
Estimated remaining funds due at closing
$23,590No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,248.63
Your down payment$11,248.63
Closing costs + prepaids$12,341.65
Total buyer cash needed$23,590.28
Remaining funds due$23,590.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$763.25
Initial HOA (3 months)$273.00
Prepaid interest, first (25 days)$1,530.40
Fees + prepaids$12,341.65
Your down payment is the seller’s equity. You take over the $343,751 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $23,590.28 is due at closing. Uses and sources reconcile at $367,341.65 each. Not a Closing Disclosure.