Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$20,086Cash toward the purchase price.
Closing costs + prepaids$11,833Not just lender fees.
Before credits & paid funds$31,919The complete starting cash picture.
Estimated remaining funds due at closing
$31,919No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,085.81
Your down payment$20,085.81
Closing costs + prepaids$11,832.85
Total buyer cash needed$31,918.66
Remaining funds due$31,918.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,387.77
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)$371.75
Initial HOA (3 months)$243.00
Prepaid interest, first (29 days)$1,605.33
Fees + prepaids$11,832.85
Your down payment is the seller’s equity. You take over the $318,691 balance, so the rest of the $338,777 price is paid at closing. A second mortgage can cover part of it. $31,918.66 is due at closing. Uses and sources reconcile at $350,609.85 each. Not a Closing Disclosure.