Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$3,020Cash toward the purchase price.
Closing costs + prepaids$11,964Not just lender fees.
Before credits & paid funds$14,985The complete starting cash picture.
Estimated remaining funds due at closing
$14,985No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,020.35
Your down payment$3,020.35
Closing costs + prepaids$11,964.24
Total buyer cash needed$14,984.59
Remaining funds due$14,984.59
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)$516.25
Initial HOA (3 months)$294.00
Prepaid interest, first (22 days)$1,378.99
Fees + prepaids$11,964.24
Your down payment is the seller’s equity. You take over the $351,980 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $14,984.59 is due at closing. Uses and sources reconcile at $366,964.24 each. Not a Closing Disclosure.