Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$14,843Cash toward the purchase price.
Closing costs + prepaids$10,799Not just lender fees.
Before credits & paid funds$25,641The complete starting cash picture.
Estimated remaining funds due at closing
$25,641No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,842.69
Your down payment$14,842.69
Closing costs + prepaids$10,798.52
Total buyer cash needed$25,641.21
Remaining funds due$25,641.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$426.00
Initial HOA (3 months)$276.00
Prepaid interest, first (10 days)$321.52
Fees + prepaids$10,798.52
Your down payment is the seller’s equity. You take over the $340,157 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $25,641.21 is due at closing. Uses and sources reconcile at $365,798.52 each. Not a Closing Disclosure.