Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$24,946Cash toward the purchase price.
Closing costs + prepaids$11,804Not just lender fees.
Before credits & paid funds$36,749The complete starting cash picture.
Estimated remaining funds due at closing
$36,749No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,945.77
Your down payment$24,945.77
Closing costs + prepaids$11,803.68
Total buyer cash needed$36,749.45
Remaining funds due$36,749.45
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)$350.00
Initial HOA (3 months)$174.00
Prepaid interest, first (30 days)$1,654.68
Fees + prepaids$11,803.68
Your down payment is the seller’s equity. You take over the $315,054 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $36,749.45 is due at closing. Uses and sources reconcile at $351,803.68 each. Not a Closing Disclosure.