Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$12,106Cash toward the purchase price.
Closing costs + prepaids$11,384Not just lender fees.
Before credits & paid funds$23,489The complete starting cash picture.
Estimated remaining funds due at closing
$23,489No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,105.64
Your down payment$12,105.64
Closing costs + prepaids$11,383.56
Total buyer cash needed$23,489.20
Remaining funds due$23,489.20
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)$454.75
Initial HOA (3 months)$182.01
Prepaid interest, first (27 days)$1,121.80
Fees + prepaids$11,383.56
Your down payment is the seller’s equity. You take over the $327,894 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $23,489.20 is due at closing. Uses and sources reconcile at $351,383.56 each. Not a Closing Disclosure.