Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$19,993Cash toward the purchase price.
Closing costs + prepaids$12,547Not just lender fees.
Before credits & paid funds$32,539The complete starting cash picture.
Estimated remaining funds due at closing
$32,539No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,992.62
Your down payment$19,992.62
Closing costs + prepaids$12,546.86
Total buyer cash needed$32,539.48
Remaining funds due$32,539.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,460.00
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)$845.75
Initial HOA (3 months)$477.00
Prepaid interest, first (24 days)$1,539.11
Fees + prepaids$12,546.86
Your down payment is the seller’s equity. You take over the $326,007 balance, so the rest of the $346,000 price is paid at closing. A second mortgage can cover part of it. $32,539.48 is due at closing. Uses and sources reconcile at $358,546.86 each. Not a Closing Disclosure.