Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$27,551Cash toward the purchase price.
Closing costs + prepaids$11,614Not just lender fees.
Before credits & paid funds$39,166The complete starting cash picture.
Estimated remaining funds due at closing
$39,166No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,551.40
Your down payment$27,551.40
Closing costs + prepaids$11,614.38
Total buyer cash needed$39,165.78
Remaining funds due$39,165.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,340.00
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)$601.75
Initial HOA (3 months)$7.74
Prepaid interest, first (25 days)$1,439.89
Fees + prepaids$11,614.38
Your down payment is the seller’s equity. You take over the $306,449 balance, so the rest of the $334,000 price is paid at closing. A second mortgage can cover part of it. $39,165.78 is due at closing. Uses and sources reconcile at $345,614.38 each. Not a Closing Disclosure.