Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$21,135Cash toward the purchase price.
Closing costs + prepaids$11,946Not just lender fees.
Before credits & paid funds$33,080The complete starting cash picture.
Estimated remaining funds due at closing
$33,080No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,134.78
Your down payment$21,134.78
Closing costs + prepaids$11,945.66
Total buyer cash needed$33,080.44
Remaining funds due$33,080.44
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)$786.25
Initial HOA (3 months)$240.00
Prepaid interest, first (23 days)$1,354.41
Fees + prepaids$11,945.66
Your down payment is the seller’s equity. You take over the $312,865 balance, so the rest of the $334,000 price is paid at closing. A second mortgage can cover part of it. $33,080.44 is due at closing. Uses and sources reconcile at $345,945.66 each. Not a Closing Disclosure.