Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$17,000Cash toward the purchase price.
Closing costs + prepaids$10,324Not just lender fees.
Before credits & paid funds$27,324The complete starting cash picture.
Estimated remaining funds due at closing
$27,324No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,999.95
Your down payment$16,999.95
Closing costs + prepaids$10,323.58
Total buyer cash needed$27,323.52
Remaining funds due$27,323.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,350.00
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)$402.00
Prepaid interest, first (6 days)$346.58
Fees + prepaids$10,323.58
Your down payment is the seller’s equity. You take over the $318,000 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $27,323.52 is due at closing. Uses and sources reconcile at $345,323.58 each. Not a Closing Disclosure.