Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$28,593Cash toward the purchase price.
Closing costs + prepaids$12,461Not just lender fees.
Before credits & paid funds$41,054The complete starting cash picture.
Estimated remaining funds due at closing
$41,054No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,592.66
Your down payment$28,592.66
Closing costs + prepaids$12,461.27
Total buyer cash needed$41,053.93
Remaining funds due$41,053.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,373.25
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)$1,956.50
Initial HOA (3 months)$37.50
Prepaid interest, first (22 days)$869.02
Fees + prepaids$12,461.27
Your down payment is the seller’s equity. You take over the $308,732 balance, so the rest of the $337,325 price is paid at closing. A second mortgage can cover part of it. $41,053.93 is due at closing. Uses and sources reconcile at $349,786.27 each. Not a Closing Disclosure.