Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$13,147Cash toward the purchase price.
Closing costs + prepaids$12,384Not just lender fees.
Before credits & paid funds$25,531The complete starting cash picture.
Estimated remaining funds due at closing
$25,531No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,147.32
Your down payment$13,147.32
Closing costs + prepaids$12,383.88
Total buyer cash needed$25,531.20
Remaining funds due$25,531.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,490.00
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)$546.50
Initial HOA (3 months)$297.00
Prepaid interest, first (26 days)$1,825.38
Fees + prepaids$12,383.88
Your down payment is the seller’s equity. You take over the $335,853 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $25,531.20 is due at closing. Uses and sources reconcile at $361,383.88 each. Not a Closing Disclosure.