Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$5,027Cash toward the purchase price.
Closing costs + prepaids$11,375Not just lender fees.
Before credits & paid funds$16,402The complete starting cash picture.
Estimated remaining funds due at closing
$16,402No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,026.85
Your down payment$5,026.85
Closing costs + prepaids$11,374.75
Total buyer cash needed$16,401.59
Remaining funds due$16,401.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.90
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)$420.00
Initial HOA (3 months)$573.00
Prepaid interest, first (10 days)$656.85
Fees + prepaids$11,374.75
Your down payment is the seller’s equity. You take over the $344,963 balance, so the rest of the $349,990 price is paid at closing. A second mortgage can cover part of it. $16,401.59 is due at closing. Uses and sources reconcile at $361,364.75 each. Not a Closing Disclosure.