Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$14,786Cash toward the purchase price.
Closing costs + prepaids$11,925Not just lender fees.
Before credits & paid funds$26,711The complete starting cash picture.
Estimated remaining funds due at closing
$26,711No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,785.92
Your down payment$14,785.92
Closing costs + prepaids$11,925.35
Total buyer cash needed$26,711.27
Remaining funds due$26,711.27
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)$869.00
Initial HOA (3 months)$2.01
Prepaid interest, first (26 days)$1,429.34
Fees + prepaids$11,925.35
Your down payment is the seller’s equity. You take over the $325,214 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $26,711.27 is due at closing. Uses and sources reconcile at $351,925.35 each. Not a Closing Disclosure.