Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$18,611Cash toward the purchase price.
Closing costs + prepaids$12,390Not just lender fees.
Before credits & paid funds$31,001The complete starting cash picture.
Estimated remaining funds due at closing
$31,001No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,610.60
Your down payment$18,610.60
Closing costs + prepaids$12,390.05
Total buyer cash needed$31,000.65
Remaining funds due$31,000.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,560.00
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)$520.25
Initial HOA (3 months)$291.00
Prepaid interest, first (31 days)$1,793.80
Fees + prepaids$12,390.05
Your down payment is the seller’s equity. You take over the $337,389 balance, so the rest of the $356,000 price is paid at closing. A second mortgage can cover part of it. $31,000.65 is due at closing. Uses and sources reconcile at $368,390.05 each. Not a Closing Disclosure.