Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$5,969Cash toward the purchase price.
Closing costs + prepaids$12,628Not just lender fees.
Before credits & paid funds$18,597The complete starting cash picture.
Estimated remaining funds due at closing
$18,597No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,969.24
Your down payment$5,969.24
Closing costs + prepaids$12,627.66
Total buyer cash needed$18,596.90
Remaining funds due$18,596.90
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)$1,668.00
Initial HOA (3 months)$22.50
Prepaid interest, first (22 days)$1,372.16
Fees + prepaids$12,627.66
Your down payment is the seller’s equity. You take over the $328,031 balance, so the rest of the $334,000 price is paid at closing. A second mortgage can cover part of it. $18,596.90 is due at closing. Uses and sources reconcile at $346,627.66 each. Not a Closing Disclosure.