Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$34,175Cash toward the purchase price.
Closing costs + prepaids$11,979Not just lender fees.
Before credits & paid funds$46,155The complete starting cash picture.
Estimated remaining funds due at closing
$46,155No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,175.47
Your down payment$34,175.47
Closing costs + prepaids$11,979.23
Total buyer cash needed$46,154.70
Remaining funds due$46,154.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,149.99
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)$810.00
Initial HOA (3 months)$540.00
Prepaid interest, first (26 days)$1,254.24
Fees + prepaids$11,979.23
Your down payment is the seller’s equity. You take over the $280,824 balance, so the rest of the $314,999 price is paid at closing. A second mortgage can cover part of it. $46,154.70 is due at closing. Uses and sources reconcile at $326,978.23 each. Not a Closing Disclosure.