Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$20,930Cash toward the purchase price.
Closing costs + prepaids$12,120Not just lender fees.
Before credits & paid funds$33,051The complete starting cash picture.
Estimated remaining funds due at closing
$33,051No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,930.41
Your down payment$20,930.41
Closing costs + prepaids$12,120.14
Total buyer cash needed$33,050.56
Remaining funds due$33,050.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,500.00
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)$431.50
Initial HOA (3 months)$147.00
Prepaid interest, first (31 days)$1,816.64
Fees + prepaids$12,120.14
Your down payment is the seller’s equity. You take over the $329,070 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $33,050.56 is due at closing. Uses and sources reconcile at $362,120.14 each. Not a Closing Disclosure.