Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$11,586Cash toward the purchase price.
Closing costs + prepaids$12,233Not just lender fees.
Before credits & paid funds$23,819The complete starting cash picture.
Estimated remaining funds due at closing
$23,819No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,585.69
Your down payment$11,585.69
Closing costs + prepaids$12,232.82
Total buyer cash needed$23,818.51
Remaining funds due$23,818.51
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)$604.00
Initial HOA (3 months)$270.00
Prepaid interest, first (30 days)$1,743.82
Fees + prepaids$12,232.82
Your down payment is the seller’s equity. You take over the $327,414 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $23,818.51 is due at closing. Uses and sources reconcile at $351,232.82 each. Not a Closing Disclosure.