Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$35,936Cash toward the purchase price.
Closing costs + prepaids$12,719Not just lender fees.
Before credits & paid funds$48,655The complete starting cash picture.
Estimated remaining funds due at closing
$48,655No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,935.69
Your down payment$35,935.69
Closing costs + prepaids$12,719.12
Total buyer cash needed$48,654.81
Remaining funds due$48,654.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,190.00
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)$797.50
Initial HOA (3 months)$855.00
Prepaid interest, first (31 days)$1,651.62
Fees + prepaids$12,719.12
Your down payment is the seller’s equity. You take over the $283,064 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $48,654.81 is due at closing. Uses and sources reconcile at $331,719.12 each. Not a Closing Disclosure.