Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$3,213Cash toward the purchase price.
Closing costs + prepaids$12,104Not just lender fees.
Before credits & paid funds$15,317The complete starting cash picture.
Estimated remaining funds due at closing
$15,317No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,213.00
Your down payment$3,213.00
Closing costs + prepaids$12,103.67
Total buyer cash needed$15,316.67
Remaining funds due$15,316.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,380.00
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)$642.50
Initial HOA (3 months)$135.00
Prepaid interest, first (27 days)$1,721.17
Fees + prepaids$12,103.67
Your down payment is the seller’s equity. You take over the $334,787 balance, so the rest of the $338,000 price is paid at closing. A second mortgage can cover part of it. $15,316.67 is due at closing. Uses and sources reconcile at $350,103.67 each. Not a Closing Disclosure.