Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$25,359Cash toward the purchase price.
Closing costs + prepaids$12,751Not just lender fees.
Before credits & paid funds$38,110The complete starting cash picture.
Estimated remaining funds due at closing
$38,110No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,358.90
Your down payment$25,358.90
Closing costs + prepaids$12,751.07
Total buyer cash needed$38,109.97
Remaining funds due$38,109.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,395.00
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)$761.50
Initial HOA (3 months)$588.00
Prepaid interest, first (30 days)$1,781.57
Fees + prepaids$12,751.07
Your down payment is the seller’s equity. You take over the $314,141 balance, so the rest of the $339,500 price is paid at closing. A second mortgage can cover part of it. $38,109.97 is due at closing. Uses and sources reconcile at $352,251.07 each. Not a Closing Disclosure.