Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$26,948Cash toward the purchase price.
Closing costs + prepaids$12,815Not just lender fees.
Before credits & paid funds$39,763The complete starting cash picture.
Estimated remaining funds due at closing
$39,763No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,947.92
Your down payment$26,947.92
Closing costs + prepaids$12,814.78
Total buyer cash needed$39,762.70
Remaining funds due$39,762.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,429.90
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)$1,324.50
Initial HOA (3 months)$519.00
Prepaid interest, first (23 days)$1,316.38
Fees + prepaids$12,814.78
Your down payment is the seller’s equity. You take over the $316,042 balance, so the rest of the $342,990 price is paid at closing. A second mortgage can cover part of it. $39,762.70 is due at closing. Uses and sources reconcile at $355,804.78 each. Not a Closing Disclosure.