Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$23,100Cash toward the purchase price.
Closing costs + prepaids$11,088Not just lender fees.
Before credits & paid funds$34,188The complete starting cash picture.
Estimated remaining funds due at closing
$34,188No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,100.38
Your down payment$23,100.38
Closing costs + prepaids$11,087.86
Total buyer cash needed$34,188.24
Remaining funds due$34,188.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,129.00
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)$325.50
Initial HOA (3 months)$165.00
Prepaid interest, first (30 days)$1,243.36
Fees + prepaids$11,087.86
Your down payment is the seller’s equity. You take over the $289,800 balance, so the rest of the $312,900 price is paid at closing. A second mortgage can cover part of it. $34,188.24 is due at closing. Uses and sources reconcile at $323,987.86 each. Not a Closing Disclosure.