Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$15,206Cash toward the purchase price.
Closing costs + prepaids$12,384Not just lender fees.
Before credits & paid funds$27,590The complete starting cash picture.
Estimated remaining funds due at closing
$27,590No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,205.61
Your down payment$15,205.61
Closing costs + prepaids$12,384.20
Total buyer cash needed$27,589.81
Remaining funds due$27,589.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,400.00
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)$967.00
Initial HOA (3 months)$275.01
Prepaid interest, first (25 days)$1,517.19
Fees + prepaids$12,384.20
Your down payment is the seller’s equity. You take over the $324,794 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $27,589.81 is due at closing. Uses and sources reconcile at $352,384.20 each. Not a Closing Disclosure.