Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$23,339Cash toward the purchase price.
Closing costs + prepaids$11,963Not just lender fees.
Before credits & paid funds$35,302The complete starting cash picture.
Estimated remaining funds due at closing
$35,302No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,339.09
Your down payment$23,339.09
Closing costs + prepaids$11,962.96
Total buyer cash needed$35,302.05
Remaining funds due$35,302.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,560.00
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)$525.25
Initial HOA (3 months)$45.00
Prepaid interest, first (28 days)$1,607.71
Fees + prepaids$11,962.96
Your down payment is the seller’s equity. You take over the $332,661 balance, so the rest of the $356,000 price is paid at closing. A second mortgage can cover part of it. $35,302.05 is due at closing. Uses and sources reconcile at $367,962.96 each. Not a Closing Disclosure.