Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$23,617Cash toward the purchase price.
Closing costs + prepaids$12,635Not just lender fees.
Before credits & paid funds$36,252The complete starting cash picture.
Estimated remaining funds due at closing
$36,252No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,617.03
Your down payment$23,617.03
Closing costs + prepaids$12,634.71
Total buyer cash needed$36,251.74
Remaining funds due$36,251.74
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)$915.50
Initial HOA (3 months)$1,176.00
Prepaid interest, first (24 days)$919.21
Fees + prepaids$12,634.71
Your down payment is the seller’s equity. You take over the $316,283 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $36,251.74 is due at closing. Uses and sources reconcile at $352,534.71 each. Not a Closing Disclosure.