Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$13,438Cash toward the purchase price.
Closing costs + prepaids$11,825Not just lender fees.
Before credits & paid funds$25,263The complete starting cash picture.
Estimated remaining funds due at closing
$25,263No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,438.20
Your down payment$13,438.20
Closing costs + prepaids$11,825.20
Total buyer cash needed$25,263.39
Remaining funds due$25,263.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,340.00
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)$343.50
Prepaid interest, first (31 days)$1,916.70
Fees + prepaids$11,825.20
Your down payment is the seller’s equity. You take over the $320,562 balance, so the rest of the $334,000 price is paid at closing. A second mortgage can cover part of it. $25,263.39 is due at closing. Uses and sources reconcile at $345,825.20 each. Not a Closing Disclosure.