Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$24,141Cash toward the purchase price.
Closing costs + prepaids$11,391Not just lender fees.
Before credits & paid funds$35,532The complete starting cash picture.
Estimated remaining funds due at closing
$35,532No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,140.98
Your down payment$24,140.98
Closing costs + prepaids$11,391.44
Total buyer cash needed$35,532.43
Remaining funds due$35,532.43
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)$425.00
Initial HOA (3 months)$465.00
Prepaid interest, first (16 days)$876.44
Fees + prepaids$11,391.44
Your down payment is the seller’s equity. You take over the $315,859 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $35,532.43 is due at closing. Uses and sources reconcile at $351,391.44 each. Not a Closing Disclosure.