Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$27,523Cash toward the purchase price.
Closing costs + prepaids$12,198Not just lender fees.
Before credits & paid funds$39,722The complete starting cash picture.
Estimated remaining funds due at closing
$39,722No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,523.31
Your down payment$27,523.31
Closing costs + prepaids$12,198.47
Total buyer cash needed$39,721.78
Remaining funds due$39,721.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,225.00
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)$112.50
Initial HOA (3 months)$1,014.00
Prepaid interest, first (30 days)$1,621.97
Fees + prepaids$12,198.47
Your down payment is the seller’s equity. You take over the $294,977 balance, so the rest of the $322,500 price is paid at closing. A second mortgage can cover part of it. $39,721.78 is due at closing. Uses and sources reconcile at $334,698.47 each. Not a Closing Disclosure.