Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$11,505Cash toward the purchase price.
Closing costs + prepaids$12,611Not just lender fees.
Before credits & paid funds$24,116The complete starting cash picture.
Estimated remaining funds due at closing
$24,116No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,504.85
Your down payment$11,504.85
Closing costs + prepaids$12,610.90
Total buyer cash needed$24,115.75
Remaining funds due$24,115.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,355.00
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)$827.75
Initial HOA (3 months)$387.00
Prepaid interest, first (30 days)$1,816.15
Fees + prepaids$12,610.90
Your down payment is the seller’s equity. You take over the $323,995 balance, so the rest of the $335,500 price is paid at closing. A second mortgage can cover part of it. $24,115.75 is due at closing. Uses and sources reconcile at $348,110.90 each. Not a Closing Disclosure.