Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$11,188Cash toward the purchase price.
Closing costs + prepaids$10,605Not just lender fees.
Before credits & paid funds$21,794The complete starting cash picture.
Estimated remaining funds due at closing
$21,794No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,188.29
Your down payment$11,188.29
Closing costs + prepaids$10,605.40
Total buyer cash needed$21,793.69
Remaining funds due$21,793.69
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)$604.00
Initial HOA (3 months)$270.00
Prepaid interest, first (2 days)$116.40
Fees + prepaids$10,605.40
Your down payment is the seller’s equity. You take over the $327,812 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $21,793.69 is due at closing. Uses and sources reconcile at $349,605.40 each. Not a Closing Disclosure.