Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$18,783Cash toward the purchase price.
Closing costs + prepaids$11,633Not just lender fees.
Before credits & paid funds$30,416The complete starting cash picture.
Estimated remaining funds due at closing
$30,416No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,783.32
Your down payment$18,783.32
Closing costs + prepaids$11,632.61
Total buyer cash needed$30,415.93
Remaining funds due$30,415.93
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)$418.75
Initial HOA (3 months)$1,095.00
Prepaid interest, first (6 days)$403.86
Fees + prepaids$11,632.61
Your down payment is the seller’s equity. You take over the $330,217 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $30,415.93 is due at closing. Uses and sources reconcile at $360,632.61 each. Not a Closing Disclosure.