Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$21,261Cash toward the purchase price.
Closing costs + prepaids$12,056Not just lender fees.
Before credits & paid funds$33,317The complete starting cash picture.
Estimated remaining funds due at closing
$33,317No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,260.97
Your down payment$21,260.97
Closing costs + prepaids$12,055.77
Total buyer cash needed$33,316.74
Remaining funds due$33,316.74
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)$869.25
Initial HOA (3 months)$125.01
Prepaid interest, first (25 days)$1,436.51
Fees + prepaids$12,055.77
Your down payment is the seller’s equity. You take over the $318,739 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $33,316.74 is due at closing. Uses and sources reconcile at $352,055.77 each. Not a Closing Disclosure.