Follow the dollars · Assumption only
A complete cash picture for Dec 24, 2026
Your down payment$11,586Cash toward the purchase price.
Closing costs + prepaids$10,757Not just lender fees.
Before credits & paid funds$22,342The complete starting cash picture.
Estimated remaining funds due at closing
$22,342No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,585.69
Your down payment$11,585.69
Closing costs + prepaids$10,756.77
Total buyer cash needed$22,342.46
Remaining funds due$22,342.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,390.00
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)$406.75
Initial HOA (3 months)$270.00
Prepaid interest, first (8 days)$465.02
Fees + prepaids$10,756.77
Your down payment is the seller’s equity. You take over the $327,414 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $22,342.46 is due at closing. Uses and sources reconcile at $349,756.77 each. Not a Closing Disclosure.