Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$10,087Cash toward the purchase price.
Closing costs + prepaids$13,817Not just lender fees.
Before credits & paid funds$23,904The complete starting cash picture.
Estimated remaining funds due at closing
$23,904No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,086.93
Your down payment$10,086.93
Closing costs + prepaids$13,817.45
Total buyer cash needed$23,904.37
Remaining funds due$23,904.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,390.00
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)$624.50
Initial HOA (3 months)$1,575.00
Prepaid interest, first (31 days)$2,002.95
Fees + prepaids$13,817.45
Your down payment is the seller’s equity. You take over the $328,913 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $23,904.37 is due at closing. Uses and sources reconcile at $352,817.45 each. Not a Closing Disclosure.