Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$27,333Cash toward the purchase price.
Closing costs + prepaids$11,692Not just lender fees.
Before credits & paid funds$39,025The complete starting cash picture.
Estimated remaining funds due at closing
$39,025No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,333.19
Your down payment$27,333.19
Closing costs + prepaids$11,692.06
Total buyer cash needed$39,025.25
Remaining funds due$39,025.25
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)$530.75
Initial HOA (3 months)$399.00
Prepaid interest, first (18 days)$987.31
Fees + prepaids$11,692.06
Your down payment is the seller’s equity. You take over the $327,667 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $39,025.25 is due at closing. Uses and sources reconcile at $366,692.06 each. Not a Closing Disclosure.