Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$21,461Cash toward the purchase price.
Closing costs + prepaids$13,358Not just lender fees.
Before credits & paid funds$34,819The complete starting cash picture.
Estimated remaining funds due at closing
$34,819No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,460.78
Your down payment$21,460.78
Closing costs + prepaids$13,357.81
Total buyer cash needed$34,818.58
Remaining funds due$34,818.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.00
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)$603.50
Initial HOA (3 months)$1,584.00
Prepaid interest, first (28 days)$1,546.31
Fees + prepaids$13,357.81
Your down payment is the seller’s equity. You take over the $318,439 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $34,818.58 is due at closing. Uses and sources reconcile at $353,257.81 each. Not a Closing Disclosure.