Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$12,780Cash toward the purchase price.
Closing costs + prepaids$11,746Not just lender fees.
Before credits & paid funds$24,526The complete starting cash picture.
Estimated remaining funds due at closing
$24,526No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,779.51
Your down payment$12,779.51
Closing costs + prepaids$11,746.36
Total buyer cash needed$24,525.88
Remaining funds due$24,525.88
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)$536.25
Initial HOA (3 months)$339.99
Prepaid interest, first (20 days)$1,155.12
Fees + prepaids$11,746.36
Your down payment is the seller’s equity. You take over the $336,220 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $24,525.88 is due at closing. Uses and sources reconcile at $360,746.36 each. Not a Closing Disclosure.