Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$26,521Cash toward the purchase price.
Closing costs + prepaids$10,561Not just lender fees.
Before credits & paid funds$37,083The complete starting cash picture.
Estimated remaining funds due at closing
$37,083No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,521.17
Your down payment$26,521.17
Closing costs + prepaids$10,561.33
Total buyer cash needed$37,082.50
Remaining funds due$37,082.50
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 (1 days)$57.58
Fees + prepaids$10,561.33
Your down payment is the seller’s equity. You take over the $321,379 balance, so the rest of the $347,900 price is paid at closing. A second mortgage can cover part of it. $37,082.50 is due at closing. Uses and sources reconcile at $358,461.33 each. Not a Closing Disclosure.