Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$23,014Cash toward the purchase price.
Closing costs + prepaids$11,995Not just lender fees.
Before credits & paid funds$35,008The complete starting cash picture.
Estimated remaining funds due at closing
$35,008No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,013.51
Your down payment$23,013.51
Closing costs + prepaids$11,994.85
Total buyer cash needed$35,008.36
Remaining funds due$35,008.36
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)$400.00
Initial HOA (3 months)$501.00
Prepaid interest, first (29 days)$1,318.85
Fees + prepaids$11,994.85
Your down payment is the seller’s equity. You take over the $331,986 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $35,008.36 is due at closing. Uses and sources reconcile at $366,994.85 each. Not a Closing Disclosure.