Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$4,403Cash toward the purchase price.
Closing costs + prepaids$10,973Not just lender fees.
Before credits & paid funds$15,376The complete starting cash picture.
Estimated remaining funds due at closing
$15,376No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,403.10
Your down payment$4,403.10
Closing costs + prepaids$10,972.85
Total buyer cash needed$15,375.95
Remaining funds due$15,375.95
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)$408.00
Initial HOA (3 months)$225.00
Prepaid interest, first (12 days)$715.85
Fees + prepaids$10,972.85
Your down payment is the seller’s equity. You take over the $335,497 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $15,375.95 is due at closing. Uses and sources reconcile at $350,872.85 each. Not a Closing Disclosure.