Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$21,461Cash toward the purchase price.
Closing costs + prepaids$12,279Not just lender fees.
Before credits & paid funds$33,739The complete starting cash picture.
Estimated remaining funds due at closing
$33,739No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,460.78
Your down payment$21,460.78
Closing costs + prepaids$12,278.70
Total buyer cash needed$33,739.48
Remaining funds due$33,739.48
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)$1,584.00
Prepaid interest, first (12 days)$662.70
Fees + prepaids$12,278.70
Your down payment is the seller’s equity. You take over the $318,439 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $33,739.48 is due at closing. Uses and sources reconcile at $352,178.70 each. Not a Closing Disclosure.