Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$23,639Cash toward the purchase price.
Closing costs + prepaids$11,611Not just lender fees.
Before credits & paid funds$35,250The complete starting cash picture.
Estimated remaining funds due at closing
$35,250No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,639.02
Your down payment$23,639.02
Closing costs + prepaids$11,610.98
Total buyer cash needed$35,250.00
Remaining funds due$35,250.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.99
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)$841.50
Initial HOA (3 months)$978.00
Prepaid interest, first (5 days)$266.49
Fees + prepaids$11,610.98
Your down payment is the seller’s equity. You take over the $306,360 balance, so the rest of the $329,999 price is paid at closing. A second mortgage can cover part of it. $35,250.00 is due at closing. Uses and sources reconcile at $341,609.98 each. Not a Closing Disclosure.