Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$4,857Cash toward the purchase price.
Closing costs + prepaids$12,074Not just lender fees.
Before credits & paid funds$16,931The complete starting cash picture.
Estimated remaining funds due at closing
$16,931No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,857.11
Your down payment$4,857.11
Closing costs + prepaids$12,073.76
Total buyer cash needed$16,930.86
Remaining funds due$16,930.86
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)$471.75
Initial HOA (3 months)$315.00
Prepaid interest, first (27 days)$1,663.01
Fees + prepaids$12,073.76
Your down payment is the seller’s equity. You take over the $335,043 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $16,930.86 is due at closing. Uses and sources reconcile at $351,973.76 each. Not a Closing Disclosure.