Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$18,958Cash toward the purchase price.
Closing costs + prepaids$12,919Not just lender fees.
Before credits & paid funds$31,878The complete starting cash picture.
Estimated remaining funds due at closing
$31,878No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,958.26
Your down payment$18,958.26
Closing costs + prepaids$12,919.27
Total buyer cash needed$31,877.52
Remaining funds due$31,877.52
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)$162.50
Initial HOA (3 months)$1,359.00
Prepaid interest, first (29 days)$1,772.77
Fees + prepaids$12,919.27
Your down payment is the seller’s equity. You take over the $321,042 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $31,877.52 is due at closing. Uses and sources reconcile at $352,919.27 each. Not a Closing Disclosure.