Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$25,833Cash toward the purchase price.
Closing costs + prepaids$12,240Not just lender fees.
Before credits & paid funds$38,072The complete starting cash picture.
Estimated remaining funds due at closing
$38,072No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,832.72
Your down payment$25,832.72
Closing costs + prepaids$12,239.56
Total buyer cash needed$38,072.29
Remaining funds due$38,072.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,470.00
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)$687.50
Initial HOA (3 months)$576.00
Prepaid interest, first (23 days)$1,281.06
Fees + prepaids$12,239.56
Your down payment is the seller’s equity. You take over the $321,167 balance, so the rest of the $347,000 price is paid at closing. A second mortgage can cover part of it. $38,072.29 is due at closing. Uses and sources reconcile at $359,239.56 each. Not a Closing Disclosure.