Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$21,219Cash toward the purchase price.
Closing costs + prepaids$11,207Not just lender fees.
Before credits & paid funds$32,426The complete starting cash picture.
Estimated remaining funds due at closing
$32,426No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,219.15
Your down payment$21,219.15
Closing costs + prepaids$11,207.26
Total buyer cash needed$32,426.40
Remaining funds due$32,426.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$432.00
Initial HOA (3 months)$324.00
Prepaid interest, first (10 days)$627.26
Fees + prepaids$11,207.26
Your down payment is the seller’s equity. You take over the $338,681 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $32,426.40 is due at closing. Uses and sources reconcile at $371,107.26 each. Not a Closing Disclosure.