Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$14,308Cash toward the purchase price.
Closing costs + prepaids$11,966Not just lender fees.
Before credits & paid funds$26,274The complete starting cash picture.
Estimated remaining funds due at closing
$26,274No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,307.57
Your down payment$14,307.57
Closing costs + prepaids$11,966.37
Total buyer cash needed$26,273.94
Remaining funds due$26,273.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,390.00
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)$900.75
Prepaid interest, first (23 days)$1,450.62
Fees + prepaids$11,966.37
Your down payment is the seller’s equity. You take over the $324,692 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $26,273.94 is due at closing. Uses and sources reconcile at $350,966.37 each. Not a Closing Disclosure.