Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$22,086Cash toward the purchase price.
Closing costs + prepaids$10,914Not just lender fees.
Before credits & paid funds$33,000The complete starting cash picture.
Estimated remaining funds due at closing
$33,000No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,085.61
Your down payment$22,085.61
Closing costs + prepaids$10,914.30
Total buyer cash needed$32,999.91
Remaining funds due$32,999.91
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)$705.50
Initial HOA (3 months)$519.00
Prepaid interest, first (1 days)$64.80
Fees + prepaids$10,914.30
Your down payment is the seller’s equity. You take over the $317,914 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $32,999.91 is due at closing. Uses and sources reconcile at $350,914.30 each. Not a Closing Disclosure.