Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$28,673Cash toward the purchase price.
Closing costs + prepaids$10,685Not just lender fees.
Before credits & paid funds$39,359The complete starting cash picture.
Estimated remaining funds due at closing
$39,359No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,673.49
Your down payment$28,673.49
Closing costs + prepaids$10,685.13
Total buyer cash needed$39,358.62
Remaining funds due$39,358.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,470.00
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)$616.00
Initial HOA (3 months)$285.00
Prepaid interest, first (2 days)$89.13
Fees + prepaids$10,685.13
Your down payment is the seller’s equity. You take over the $318,327 balance, so the rest of the $347,000 price is paid at closing. A second mortgage can cover part of it. $39,358.62 is due at closing. Uses and sources reconcile at $357,685.13 each. Not a Closing Disclosure.