Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$11,700Cash toward the purchase price.
Closing costs + prepaids$12,346Not just lender fees.
Before credits & paid funds$24,046The complete starting cash picture.
Estimated remaining funds due at closing
$24,046No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,699.95
Your down payment$11,699.95
Closing costs + prepaids$12,345.59
Total buyer cash needed$24,045.54
Remaining funds due$24,045.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.90
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)$775.00
Initial HOA (3 months)$870.00
Prepaid interest, first (23 days)$875.69
Fees + prepaids$12,345.59
Your down payment is the seller’s equity. You take over the $348,290 balance, so the rest of the $359,990 price is paid at closing. A second mortgage can cover part of it. $24,045.54 is due at closing. Uses and sources reconcile at $372,335.59 each. Not a Closing Disclosure.