Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$6,194Cash toward the purchase price.
Closing costs + prepaids$13,117Not just lender fees.
Before credits & paid funds$19,311The complete starting cash picture.
Estimated remaining funds due at closing
$19,311No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,193.63
Your down payment$6,193.63
Closing costs + prepaids$13,116.91
Total buyer cash needed$19,310.54
Remaining funds due$19,310.54
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)$2,119.75
Initial HOA (3 months)$68.76
Prepaid interest, first (28 days)$1,303.40
Fees + prepaids$13,116.91
Your down payment is the seller’s equity. You take over the $333,806 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $19,310.54 is due at closing. Uses and sources reconcile at $353,116.91 each. Not a Closing Disclosure.