Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$22,567Cash toward the purchase price.
Closing costs + prepaids$12,181Not just lender fees.
Before credits & paid funds$34,748The complete starting cash picture.
Estimated remaining funds due at closing
$34,748No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,567.34
Your down payment$22,567.34
Closing costs + prepaids$12,180.63
Total buyer cash needed$34,747.97
Remaining funds due$34,747.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,169.00
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)$117.25
Initial HOA (3 months)$1,062.00
Prepaid interest, first (31 days)$1,607.38
Fees + prepaids$12,180.63
Your down payment is the seller’s equity. You take over the $294,333 balance, so the rest of the $316,900 price is paid at closing. A second mortgage can cover part of it. $34,747.97 is due at closing. Uses and sources reconcile at $329,080.63 each. Not a Closing Disclosure.