Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$18,129Cash toward the purchase price.
Closing costs + prepaids$10,856Not just lender fees.
Before credits & paid funds$28,985The complete starting cash picture.
Estimated remaining funds due at closing
$28,985No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,128.96
Your down payment$18,128.96
Closing costs + prepaids$10,855.86
Total buyer cash needed$28,984.82
Remaining funds due$28,984.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,420.00
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)$301.00
Initial HOA (3 months)$267.00
Prepaid interest, first (21 days)$642.86
Fees + prepaids$10,855.86
Your down payment is the seller’s equity. You take over the $323,871 balance, so the rest of the $342,000 price is paid at closing. A second mortgage can cover part of it. $28,984.82 is due at closing. Uses and sources reconcile at $352,855.86 each. Not a Closing Disclosure.