Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$31,930Cash toward the purchase price.
Closing costs + prepaids$11,927Not just lender fees.
Before credits & paid funds$43,857The complete starting cash picture.
Estimated remaining funds due at closing
$43,857No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,929.74
Your down payment$31,929.74
Closing costs + prepaids$11,927.21
Total buyer cash needed$43,856.96
Remaining funds due$43,856.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,379.00
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)$996.00
Initial HOA (3 months)$75.00
Prepaid interest, first (22 days)$1,252.21
Fees + prepaids$11,927.21
Your down payment is the seller’s equity. You take over the $305,970 balance, so the rest of the $337,900 price is paid at closing. A second mortgage can cover part of it. $43,856.96 is due at closing. Uses and sources reconcile at $349,827.21 each. Not a Closing Disclosure.