Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$13,938Cash toward the purchase price.
Closing costs + prepaids$10,564Not just lender fees.
Before credits & paid funds$24,501The complete starting cash picture.
Estimated remaining funds due at closing
$24,501No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,937.53
Your down payment$13,937.53
Closing costs + prepaids$10,563.66
Total buyer cash needed$24,501.19
Remaining funds due$24,501.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,369.00
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)$404.25
Prepaid interest, first (10 days)$565.41
Fees + prepaids$10,563.66
Your down payment is the seller’s equity. You take over the $322,962 balance, so the rest of the $336,900 price is paid at closing. A second mortgage can cover part of it. $24,501.19 is due at closing. Uses and sources reconcile at $347,463.66 each. Not a Closing Disclosure.