Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$18,600Cash toward the purchase price.
Closing costs + prepaids$11,865Not just lender fees.
Before credits & paid funds$30,465The complete starting cash picture.
Estimated remaining funds due at closing
$30,465No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,600.41
Your down payment$18,600.41
Closing costs + prepaids$11,864.55
Total buyer cash needed$30,464.97
Remaining funds due$30,464.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,220.00
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)$525.25
Initial HOA (3 months)$300.00
Prepaid interest, first (28 days)$1,594.30
Fees + prepaids$11,864.55
Your down payment is the seller’s equity. You take over the $303,400 balance, so the rest of the $322,000 price is paid at closing. A second mortgage can cover part of it. $30,464.97 is due at closing. Uses and sources reconcile at $333,864.55 each. Not a Closing Disclosure.