Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$22,567Cash toward the purchase price.
Closing costs + prepaids$11,973Not just lender fees.
Before credits & paid funds$34,541The complete starting cash picture.
Estimated remaining funds due at closing
$34,541No 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$11,973.23
Total buyer cash needed$34,540.57
Remaining funds due$34,540.57
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 (27 days)$1,399.98
Fees + prepaids$11,973.23
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. $34,540.57 is due at closing. Uses and sources reconcile at $328,873.23 each. Not a Closing Disclosure.