Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$9,346Cash toward the purchase price.
Closing costs + prepaids$11,619Not just lender fees.
Before credits & paid funds$20,965The complete starting cash picture.
Estimated remaining funds due at closing
$20,965No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,346.16
Your down payment$9,346.16
Closing costs + prepaids$11,618.92
Total buyer cash needed$20,965.08
Remaining funds due$20,965.08
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)$1,447.75
Initial HOA (3 months)$129.99
Prepaid interest, first (24 days)$596.18
Fees + prepaids$11,618.92
Your down payment is the seller’s equity. You take over the $312,654 balance, so the rest of the $322,000 price is paid at closing. A second mortgage can cover part of it. $20,965.08 is due at closing. Uses and sources reconcile at $333,618.92 each. Not a Closing Disclosure.