Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$16,384Cash toward the purchase price.
Closing costs + prepaids$11,633Not just lender fees.
Before credits & paid funds$28,017The complete starting cash picture.
Estimated remaining funds due at closing
$28,017No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,384.40
Your down payment$16,384.40
Closing costs + prepaids$11,632.73
Total buyer cash needed$28,017.13
Remaining funds due$28,017.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,349.00
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)$855.00
Prepaid interest, first (22 days)$1,203.73
Fees + prepaids$11,632.73
Your down payment is the seller’s equity. You take over the $318,516 balance, so the rest of the $334,900 price is paid at closing. A second mortgage can cover part of it. $28,017.13 is due at closing. Uses and sources reconcile at $346,532.73 each. Not a Closing Disclosure.