Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$9,048Cash toward the purchase price.
Closing costs + prepaids$12,910Not just lender fees.
Before credits & paid funds$21,959The complete starting cash picture.
Estimated remaining funds due at closing
$21,959No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,048.47
Your down payment$9,048.47
Closing costs + prepaids$12,910.44
Total buyer cash needed$21,958.90
Remaining funds due$21,958.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.99
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)$1,195.50
Initial HOA (3 months)$150.00
Prepaid interest, first (26 days)$1,739.95
Fees + prepaids$12,910.44
Your down payment is the seller’s equity. You take over the $350,951 balance, so the rest of the $359,999 price is paid at closing. A second mortgage can cover part of it. $21,958.90 is due at closing. Uses and sources reconcile at $372,909.44 each. Not a Closing Disclosure.