Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$15,865Cash toward the purchase price.
Closing costs + prepaids$13,244Not just lender fees.
Before credits & paid funds$29,109The complete starting cash picture.
Estimated remaining funds due at closing
$29,109No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,865.43
Your down payment$15,865.43
Closing costs + prepaids$13,243.90
Total buyer cash needed$29,109.32
Remaining funds due$29,109.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,589.99
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)$264.25
Initial HOA (3 months)$1,317.00
Prepaid interest, first (31 days)$1,847.66
Fees + prepaids$13,243.90
Your down payment is the seller’s equity. You take over the $343,134 balance, so the rest of the $358,999 price is paid at closing. A second mortgage can cover part of it. $29,109.32 is due at closing. Uses and sources reconcile at $372,242.90 each. Not a Closing Disclosure.