Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$33,762Cash toward the purchase price.
Closing costs + prepaids$10,914Not just lender fees.
Before credits & paid funds$44,676The complete starting cash picture.
Estimated remaining funds due at closing
$44,676No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,762.08
Your down payment$33,762.08
Closing costs + prepaids$10,913.61
Total buyer cash needed$44,675.69
Remaining funds due$44,675.69
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)$107.75
Prepaid interest, first (21 days)$1,181.86
Fees + prepaids$10,913.61
Your down payment is the seller’s equity. You take over the $306,138 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $44,675.69 is due at closing. Uses and sources reconcile at $350,813.61 each. Not a Closing Disclosure.