Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$24,141Cash toward the purchase price.
Closing costs + prepaids$11,892Not just lender fees.
Before credits & paid funds$36,033The complete starting cash picture.
Estimated remaining funds due at closing
$36,033No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,140.98
Your down payment$24,140.98
Closing costs + prepaids$11,891.94
Total buyer cash needed$36,032.93
Remaining funds due$36,032.93
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)$432.50
Initial HOA (3 months)$465.00
Prepaid interest, first (25 days)$1,369.44
Fees + prepaids$11,891.94
Your down payment is the seller’s equity. You take over the $315,859 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $36,032.93 is due at closing. Uses and sources reconcile at $351,891.94 each. Not a Closing Disclosure.