Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$15,617Cash toward the purchase price.
Closing costs + prepaids$13,655Not just lender fees.
Before credits & paid funds$29,272The complete starting cash picture.
Estimated remaining funds due at closing
$29,272No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,617.21
Your down payment$15,617.21
Closing costs + prepaids$13,655.26
Total buyer cash needed$29,272.48
Remaining funds due$29,272.48
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)$850.00
Initial HOA (3 months)$1,395.00
Prepaid interest, first (27 days)$1,785.26
Fees + prepaids$13,655.26
Your down payment is the seller’s equity. You take over the $324,383 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $29,272.48 is due at closing. Uses and sources reconcile at $353,655.26 each. Not a Closing Disclosure.