Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$20,760Cash toward the purchase price.
Closing costs + prepaids$11,594Not just lender fees.
Before credits & paid funds$32,354The complete starting cash picture.
Estimated remaining funds due at closing
$32,354No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,760.18
Your down payment$20,760.18
Closing costs + prepaids$11,593.75
Total buyer cash needed$32,353.93
Remaining funds due$32,353.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,170.00
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)$860.00
Initial HOA (3 months)$171.00
Prepaid interest, first (22 days)$1,167.75
Fees + prepaids$11,593.75
Your down payment is the seller’s equity. You take over the $296,240 balance, so the rest of the $317,000 price is paid at closing. A second mortgage can cover part of it. $32,353.93 is due at closing. Uses and sources reconcile at $328,593.75 each. Not a Closing Disclosure.