Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$4,637Cash toward the purchase price.
Closing costs + prepaids$11,316Not just lender fees.
Before credits & paid funds$15,953The complete starting cash picture.
Estimated remaining funds due at closing
$15,953No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,637.24
Your down payment$4,637.24
Closing costs + prepaids$11,315.78
Total buyer cash needed$15,953.02
Remaining funds due$15,953.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,390.00
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)$406.75
Initial HOA (3 months)$705.00
Prepaid interest, first (10 days)$589.03
Fees + prepaids$11,315.78
Your down payment is the seller’s equity. You take over the $334,363 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $15,953.02 is due at closing. Uses and sources reconcile at $350,315.78 each. Not a Closing Disclosure.