Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$30,282Cash toward the purchase price.
Closing costs + prepaids$13,285Not just lender fees.
Before credits & paid funds$43,567The complete starting cash picture.
Estimated remaining funds due at closing
$43,567No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,281.62
Your down payment$30,281.62
Closing costs + prepaids$13,285.13
Total buyer cash needed$43,566.75
Remaining funds due$43,566.75
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)$1,814.25
Initial HOA (3 months)$165.00
Prepaid interest, first (31 days)$1,680.88
Fees + prepaids$13,285.13
Your down payment is the seller’s equity. You take over the $309,718 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $43,566.75 is due at closing. Uses and sources reconcile at $353,285.13 each. Not a Closing Disclosure.