Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$10,040Cash toward the purchase price.
Closing costs + prepaids$12,272Not just lender fees.
Before credits & paid funds$22,312The complete starting cash picture.
Estimated remaining funds due at closing
$22,312No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,039.72
Your down payment$10,039.72
Closing costs + prepaids$12,272.00
Total buyer cash needed$22,311.72
Remaining funds due$22,311.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,549.90
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)$650.00
Initial HOA (3 months)$180.00
Prepaid interest, first (28 days)$1,667.10
Fees + prepaids$12,272.00
Your down payment is the seller’s equity. You take over the $344,950 balance, so the rest of the $354,990 price is paid at closing. A second mortgage can cover part of it. $22,311.72 is due at closing. Uses and sources reconcile at $367,262.00 each. Not a Closing Disclosure.