Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$14,843Cash toward the purchase price.
Closing costs + prepaids$11,164Not just lender fees.
Before credits & paid funds$26,007The complete starting cash picture.
Estimated remaining funds due at closing
$26,007No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,842.69
Your down payment$14,842.69
Closing costs + prepaids$11,164.04
Total buyer cash needed$26,006.72
Remaining funds due$26,006.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$470.00
Initial HOA (3 months)$276.00
Prepaid interest, first (20 days)$643.04
Fees + prepaids$11,164.04
Your down payment is the seller’s equity. You take over the $340,157 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $26,006.72 is due at closing. Uses and sources reconcile at $366,164.04 each. Not a Closing Disclosure.