Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$19,759Cash toward the purchase price.
Closing costs + prepaids$12,428Not just lender fees.
Before credits & paid funds$32,187The complete starting cash picture.
Estimated remaining funds due at closing
$32,187No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,759.29
Your down payment$19,759.29
Closing costs + prepaids$12,428.17
Total buyer cash needed$32,187.46
Remaining funds due$32,187.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,195.00
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)$967.25
Initial HOA (3 months)$681.00
Prepaid interest, first (30 days)$1,359.92
Fees + prepaids$12,428.17
Your down payment is the seller’s equity. You take over the $299,741 balance, so the rest of the $319,500 price is paid at closing. A second mortgage can cover part of it. $32,187.46 is due at closing. Uses and sources reconcile at $331,928.17 each. Not a Closing Disclosure.