Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$2,392Cash toward the purchase price.
Closing costs + prepaids$11,543Not just lender fees.
Before credits & paid funds$13,935The complete starting cash picture.
Estimated remaining funds due at closing
$13,935No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,392.47
Your down payment$2,392.47
Closing costs + prepaids$11,542.55
Total buyer cash needed$13,935.03
Remaining funds due$13,935.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.00
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)$1,749.50
Initial HOA (3 months)$24.99
Prepaid interest, first (2 days)$144.06
Fees + prepaids$11,542.55
Your down payment is the seller’s equity. You take over the $337,508 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $13,935.03 is due at closing. Uses and sources reconcile at $351,442.55 each. Not a Closing Disclosure.