Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$11,557Cash toward the purchase price.
Closing costs + prepaids$10,303Not just lender fees.
Before credits & paid funds$21,861The complete starting cash picture.
Estimated remaining funds due at closing
$21,861No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,557.17
Your down payment$11,557.17
Closing costs + prepaids$10,303.38
Total buyer cash needed$21,860.55
Remaining funds due$21,860.55
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)$454.75
Initial HOA (3 months)$182.01
Prepaid interest, first (1 days)$41.62
Fees + prepaids$10,303.38
Your down payment is the seller’s equity. You take over the $328,443 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $21,860.55 is due at closing. Uses and sources reconcile at $350,303.38 each. Not a Closing Disclosure.