Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$26,857Cash toward the purchase price.
Closing costs + prepaids$12,057Not just lender fees.
Before credits & paid funds$38,914The complete starting cash picture.
Estimated remaining funds due at closing
$38,914No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,857.33
Your down payment$26,857.33
Closing costs + prepaids$12,056.89
Total buyer cash needed$38,914.22
Remaining funds due$38,914.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,479.00
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)$457.75
Initial HOA (3 months)$342.00
Prepaid interest, first (27 days)$1,553.14
Fees + prepaids$12,056.89
Your down payment is the seller’s equity. You take over the $321,043 balance, so the rest of the $347,900 price is paid at closing. A second mortgage can cover part of it. $38,914.22 is due at closing. Uses and sources reconcile at $359,956.89 each. Not a Closing Disclosure.