Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$3,109Cash toward the purchase price.
Closing costs + prepaids$12,054Not just lender fees.
Before credits & paid funds$15,163The complete starting cash picture.
Estimated remaining funds due at closing
$15,163No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,109.05
Your down payment$3,109.05
Closing costs + prepaids$12,053.69
Total buyer cash needed$15,162.75
Remaining funds due$15,162.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,474.99
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)$714.50
Initial HOA (3 months)$81.24
Prepaid interest, first (24 days)$1,557.96
Fees + prepaids$12,053.69
Your down payment is the seller’s equity. You take over the $344,390 balance, so the rest of the $347,499 price is paid at closing. A second mortgage can cover part of it. $15,162.75 is due at closing. Uses and sources reconcile at $359,552.69 each. Not a Closing Disclosure.