Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$8,277Cash toward the purchase price.
Closing costs + prepaids$10,596Not just lender fees.
Before credits & paid funds$18,873The complete starting cash picture.
Estimated remaining funds due at closing
$18,873No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,276.74
Your down payment$8,276.74
Closing costs + prepaids$10,596.06
Total buyer cash needed$18,872.80
Remaining funds due$18,872.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,500.00
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)$473.25
Initial HOA (3 months)$351.00
Prepaid interest, first (1 days)$46.81
Fees + prepaids$10,596.06
Your down payment is the seller’s equity. You take over the $341,723 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $18,872.80 is due at closing. Uses and sources reconcile at $360,596.06 each. Not a Closing Disclosure.