Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$26,257Cash toward the purchase price.
Closing costs + prepaids$12,973Not just lender fees.
Before credits & paid funds$39,230The complete starting cash picture.
Estimated remaining funds due at closing
$39,230No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,257.33
Your down payment$26,257.33
Closing costs + prepaids$12,972.70
Total buyer cash needed$39,230.04
Remaining funds due$39,230.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,449.00
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)$1,685.50
Initial HOA (3 months)$222.00
Prepaid interest, first (24 days)$1,391.20
Fees + prepaids$12,972.70
Your down payment is the seller’s equity. You take over the $318,643 balance, so the rest of the $344,900 price is paid at closing. A second mortgage can cover part of it. $39,230.04 is due at closing. Uses and sources reconcile at $357,872.70 each. Not a Closing Disclosure.