Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$20,712Cash toward the purchase price.
Closing costs + prepaids$12,980Not just lender fees.
Before credits & paid funds$33,691The complete starting cash picture.
Estimated remaining funds due at closing
$33,691No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,711.93
Your down payment$20,711.93
Closing costs + prepaids$12,979.52
Total buyer cash needed$33,691.45
Remaining funds due$33,691.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,090.00
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)$2,127.25
Initial HOA (3 months)$41.25
Prepaid interest, first (31 days)$1,496.02
Fees + prepaids$12,979.52
Your down payment is the seller’s equity. You take over the $288,288 balance, so the rest of the $309,000 price is paid at closing. A second mortgage can cover part of it. $33,691.45 is due at closing. Uses and sources reconcile at $321,979.52 each. Not a Closing Disclosure.