Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$4,481Cash toward the purchase price.
Closing costs + prepaids$10,534Not just lender fees.
Before credits & paid funds$15,015The complete starting cash picture.
Estimated remaining funds due at closing
$15,015No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,481.17
Your down payment$4,481.17
Closing costs + prepaids$10,534.07
Total buyer cash needed$15,015.24
Remaining funds due$15,015.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.00
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)$471.75
Initial HOA (3 months)$315.00
Prepaid interest, first (2 days)$123.32
Fees + prepaids$10,534.07
Your down payment is the seller’s equity. You take over the $335,419 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $15,015.24 is due at closing. Uses and sources reconcile at $350,434.07 each. Not a Closing Disclosure.