Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$25,949Cash toward the purchase price.
Closing costs + prepaids$11,176Not just lender fees.
Before credits & paid funds$37,126The complete starting cash picture.
Estimated remaining funds due at closing
$37,126No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,949.26
Your down payment$25,949.26
Closing costs + prepaids$11,176.28
Total buyer cash needed$37,125.54
Remaining funds due$37,125.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.00
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)$317.50
Initial HOA (3 months)$336.00
Prepaid interest, first (20 days)$798.78
Fees + prepaids$11,176.28
Your down payment is the seller’s equity. You take over the $323,951 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $37,125.54 is due at closing. Uses and sources reconcile at $361,076.28 each. Not a Closing Disclosure.