Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$22,338Cash toward the purchase price.
Closing costs + prepaids$12,709Not just lender fees.
Before credits & paid funds$35,047The complete starting cash picture.
Estimated remaining funds due at closing
$35,047No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,337.57
Your down payment$22,337.57
Closing costs + prepaids$12,708.99
Total buyer cash needed$35,046.56
Remaining funds due$35,046.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,340.00
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)$1,738.25
Initial HOA (3 months)$149.01
Prepaid interest, first (22 days)$1,256.73
Fees + prepaids$12,708.99
Your down payment is the seller’s equity. You take over the $311,662 balance, so the rest of the $334,000 price is paid at closing. A second mortgage can cover part of it. $35,046.56 is due at closing. Uses and sources reconcile at $346,708.99 each. Not a Closing Disclosure.