Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$5,969Cash toward the purchase price.
Closing costs + prepaids$13,127Not just lender fees.
Before credits & paid funds$19,096The complete starting cash picture.
Estimated remaining funds due at closing
$19,096No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,969.24
Your down payment$5,969.24
Closing costs + prepaids$13,126.62
Total buyer cash needed$19,095.86
Remaining funds due$19,095.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,340.00
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)$1,668.00
Initial HOA (3 months)$22.50
Prepaid interest, first (30 days)$1,871.12
Fees + prepaids$13,126.62
Your down payment is the seller’s equity. You take over the $328,031 balance, so the rest of the $334,000 price is paid at closing. A second mortgage can cover part of it. $19,095.86 is due at closing. Uses and sources reconcile at $347,126.62 each. Not a Closing Disclosure.