Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$2,695Cash toward the purchase price.
Closing costs + prepaids$13,126Not just lender fees.
Before credits & paid funds$15,821The complete starting cash picture.
Estimated remaining funds due at closing
$15,821No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,694.94
Your down payment$2,694.94
Closing costs + prepaids$13,125.72
Total buyer cash needed$15,820.66
Remaining funds due$15,820.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.00
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)$1,749.50
Initial HOA (3 months)$24.99
Prepaid interest, first (24 days)$1,727.23
Fees + prepaids$13,125.72
Your down payment is the seller’s equity. You take over the $337,205 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $15,820.66 is due at closing. Uses and sources reconcile at $353,025.72 each. Not a Closing Disclosure.