Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$19,433Cash toward the purchase price.
Closing costs + prepaids$12,228Not just lender fees.
Before credits & paid funds$31,661The complete starting cash picture.
Estimated remaining funds due at closing
$31,661No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,433.25
Your down payment$19,433.25
Closing costs + prepaids$12,227.65
Total buyer cash needed$31,660.90
Remaining funds due$31,660.90
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)$431.50
Initial HOA (3 months)$147.00
Prepaid interest, first (31 days)$1,934.15
Fees + prepaids$12,227.65
Your down payment is the seller’s equity. You take over the $329,567 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $31,660.90 is due at closing. Uses and sources reconcile at $361,227.65 each. Not a Closing Disclosure.