Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$28,081Cash toward the purchase price.
Closing costs + prepaids$11,884Not just lender fees.
Before credits & paid funds$39,966The complete starting cash picture.
Estimated remaining funds due at closing
$39,966No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,081.33
Your down payment$28,081.33
Closing costs + prepaids$11,884.23
Total buyer cash needed$39,965.56
Remaining funds due$39,965.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,390.00
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)$534.00
Initial HOA (3 months)$90.00
Prepaid interest, first (29 days)$1,645.23
Fees + prepaids$11,884.23
Your down payment is the seller’s equity. You take over the $310,919 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $39,965.56 is due at closing. Uses and sources reconcile at $350,884.23 each. Not a Closing Disclosure.