Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$17,279Cash toward the purchase price.
Closing costs + prepaids$13,154Not just lender fees.
Before credits & paid funds$30,433The complete starting cash picture.
Estimated remaining funds due at closing
$30,433No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,278.83
Your down payment$17,278.83
Closing costs + prepaids$13,154.48
Total buyer cash needed$30,433.31
Remaining funds due$30,433.31
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)$1,791.00
Initial HOA (3 months)$147.00
Prepaid interest, first (31 days)$1,801.48
Fees + prepaids$13,154.48
Your down payment is the seller’s equity. You take over the $301,721 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $30,433.31 is due at closing. Uses and sources reconcile at $332,154.48 each. Not a Closing Disclosure.