Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$22,756Cash toward the purchase price.
Closing costs + prepaids$12,809Not just lender fees.
Before credits & paid funds$35,565The complete starting cash picture.
Estimated remaining funds due at closing
$35,565No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,755.99
Your down payment$22,755.99
Closing costs + prepaids$12,808.65
Total buyer cash needed$35,564.64
Remaining funds due$35,564.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,575.00
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)$1,617.50
Initial HOA (3 months)$37.50
Prepaid interest, first (24 days)$1,353.65
Fees + prepaids$12,808.65
Your down payment is the seller’s equity. You take over the $334,744 balance, so the rest of the $357,500 price is paid at closing. A second mortgage can cover part of it. $35,564.64 is due at closing. Uses and sources reconcile at $370,308.65 each. Not a Closing Disclosure.