Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$22,435Cash toward the purchase price.
Closing costs + prepaids$11,906Not just lender fees.
Before credits & paid funds$34,341The complete starting cash picture.
Estimated remaining funds due at closing
$34,341No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,435.04
Your down payment$22,435.04
Closing costs + prepaids$11,905.70
Total buyer cash needed$34,340.75
Remaining funds due$34,340.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,249.00
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)$923.25
Initial HOA (3 months)$108.00
Prepaid interest, first (26 days)$1,400.45
Fees + prepaids$11,905.70
Your down payment is the seller’s equity. You take over the $302,465 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $34,340.75 is due at closing. Uses and sources reconcile at $336,805.70 each. Not a Closing Disclosure.