Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$22,761Cash toward the purchase price.
Closing costs + prepaids$11,702Not just lender fees.
Before credits & paid funds$34,463The complete starting cash picture.
Estimated remaining funds due at closing
$34,463No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,760.96
Your down payment$22,760.96
Closing costs + prepaids$11,702.25
Total buyer cash needed$34,463.21
Remaining funds due$34,463.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,099.00
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)$774.75
Initial HOA (3 months)$225.00
Prepaid interest, first (27 days)$1,378.50
Fees + prepaids$11,702.25
Your down payment is the seller’s equity. You take over the $287,139 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $34,463.21 is due at closing. Uses and sources reconcile at $321,602.25 each. Not a Closing Disclosure.