Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$22,850Cash toward the purchase price.
Closing costs + prepaids$10,814Not just lender fees.
Before credits & paid funds$33,664The complete starting cash picture.
Estimated remaining funds due at closing
$33,664No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,850.11
Your down payment$22,850.11
Closing costs + prepaids$10,814.25
Total buyer cash needed$33,664.36
Remaining funds due$33,664.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,490.00
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)$493.00
Initial HOA (3 months)$579.00
Prepaid interest, first (1 days)$27.25
Fees + prepaids$10,814.25
Your down payment is the seller’s equity. You take over the $326,150 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $33,664.36 is due at closing. Uses and sources reconcile at $359,814.25 each. Not a Closing Disclosure.