Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$3,353Cash toward the purchase price.
Closing costs + prepaids$12,166Not just lender fees.
Before credits & paid funds$15,519The complete starting cash picture.
Estimated remaining funds due at closing
$15,519No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,352.79
Your down payment$3,352.79
Closing costs + prepaids$12,166.28
Total buyer cash needed$15,519.07
Remaining funds due$15,519.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,385.00
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)$942.00
Initial HOA (3 months)$378.00
Prepaid interest, first (22 days)$1,236.28
Fees + prepaids$12,166.28
Your down payment is the seller’s equity. You take over the $335,147 balance, so the rest of the $338,500 price is paid at closing. A second mortgage can cover part of it. $15,519.07 is due at closing. Uses and sources reconcile at $350,666.28 each. Not a Closing Disclosure.