Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$5,057Cash toward the purchase price.
Closing costs + prepaids$11,768Not just lender fees.
Before credits & paid funds$16,825The complete starting cash picture.
Estimated remaining funds due at closing
$16,825No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,057.05
Your down payment$5,057.05
Closing costs + prepaids$11,767.64
Total buyer cash needed$16,824.69
Remaining funds due$16,824.69
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)$293.75
Initial HOA (3 months)$321.00
Prepaid interest, first (30 days)$1,527.89
Fees + prepaids$11,767.64
Your down payment is the seller’s equity. You take over the $334,943 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $16,824.69 is due at closing. Uses and sources reconcile at $351,767.64 each. Not a Closing Disclosure.