Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$12,152Cash toward the purchase price.
Closing costs + prepaids$12,925Not just lender fees.
Before credits & paid funds$25,077The complete starting cash picture.
Estimated remaining funds due at closing
$25,077No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,152.04
Your down payment$12,152.04
Closing costs + prepaids$12,925.27
Total buyer cash needed$25,077.30
Remaining funds due$25,077.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,370.00
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)$1,768.50
Initial HOA (3 months)$51.00
Prepaid interest, first (25 days)$1,510.77
Fees + prepaids$12,925.27
Your down payment is the seller’s equity. You take over the $324,848 balance, so the rest of the $337,000 price is paid at closing. A second mortgage can cover part of it. $25,077.30 is due at closing. Uses and sources reconcile at $349,925.27 each. Not a Closing Disclosure.