Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$32,266Cash toward the purchase price.
Closing costs + prepaids$10,394Not just lender fees.
Before credits & paid funds$42,660The complete starting cash picture.
Estimated remaining funds due at closing
$42,660No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,265.83
Your down payment$32,265.83
Closing costs + prepaids$10,393.94
Total buyer cash needed$42,659.77
Remaining funds due$42,659.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,170.00
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)$781.25
Initial HOA (3 months)$135.00
Prepaid interest, first (2 days)$82.69
Fees + prepaids$10,393.94
Your down payment is the seller’s equity. You take over the $284,734 balance, so the rest of the $317,000 price is paid at closing. A second mortgage can cover part of it. $42,659.77 is due at closing. Uses and sources reconcile at $327,393.94 each. Not a Closing Disclosure.