Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$5,509Cash toward the purchase price.
Closing costs + prepaids$10,574Not just lender fees.
Before credits & paid funds$16,083The complete starting cash picture.
Estimated remaining funds due at closing
$16,083No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,509.14
Your down payment$5,509.14
Closing costs + prepaids$10,574.33
Total buyer cash needed$16,083.47
Remaining funds due$16,083.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,348.00
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)$401.75
Initial HOA (3 months)$225.00
Prepaid interest, first (6 days)$374.58
Fees + prepaids$10,574.33
Your down payment is the seller’s equity. You take over the $329,291 balance, so the rest of the $334,800 price is paid at closing. A second mortgage can cover part of it. $16,083.47 is due at closing. Uses and sources reconcile at $345,374.33 each. Not a Closing Disclosure.