Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$26,319Cash toward the purchase price.
Closing costs + prepaids$11,708Not just lender fees.
Before credits & paid funds$38,027The complete starting cash picture.
Estimated remaining funds due at closing
$38,027No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,318.59
Your down payment$26,318.59
Closing costs + prepaids$11,708.01
Total buyer cash needed$38,026.60
Remaining funds due$38,026.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,339.00
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)$228.25
Initial HOA (3 months)$317.01
Prepaid interest, first (31 days)$1,598.75
Fees + prepaids$11,708.01
Your down payment is the seller’s equity. You take over the $307,581 balance, so the rest of the $333,900 price is paid at closing. A second mortgage can cover part of it. $38,026.60 is due at closing. Uses and sources reconcile at $345,608.01 each. Not a Closing Disclosure.