Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$18,779Cash toward the purchase price.
Closing costs + prepaids$12,323Not just lender fees.
Before credits & paid funds$31,102The complete starting cash picture.
Estimated remaining funds due at closing
$31,102No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,778.83
Your down payment$18,778.83
Closing costs + prepaids$12,322.75
Total buyer cash needed$31,101.58
Remaining funds due$31,101.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,395.00
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)$865.75
Initial HOA (3 months)$1,569.00
Prepaid interest, first (5 days)$268.00
Fees + prepaids$12,322.75
Your down payment is the seller’s equity. You take over the $320,721 balance, so the rest of the $339,500 price is paid at closing. A second mortgage can cover part of it. $31,101.58 is due at closing. Uses and sources reconcile at $351,822.75 each. Not a Closing Disclosure.