Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$13,116Cash toward the purchase price.
Closing costs + prepaids$13,608Not just lender fees.
Before credits & paid funds$26,724The complete starting cash picture.
Estimated remaining funds due at closing
$26,724No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,115.86
Your down payment$13,115.86
Closing costs + prepaids$13,608.11
Total buyer cash needed$26,723.97
Remaining funds due$26,723.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,590.00
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)$2,153.25
Initial HOA (3 months)$36.00
Prepaid interest, first (25 days)$1,603.86
Fees + prepaids$13,608.11
Your down payment is the seller’s equity. You take over the $345,884 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $26,723.97 is due at closing. Uses and sources reconcile at $372,608.11 each. Not a Closing Disclosure.