Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$19,877Cash toward the purchase price.
Closing costs + prepaids$12,050Not just lender fees.
Before credits & paid funds$31,928The complete starting cash picture.
Estimated remaining funds due at closing
$31,928No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,877.38
Your down payment$19,877.38
Closing costs + prepaids$12,050.39
Total buyer cash needed$31,927.77
Remaining funds due$31,927.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,079.00
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)$1,475.75
Initial HOA (3 months)$51.00
Prepaid interest, first (23 days)$1,219.64
Fees + prepaids$12,050.39
Your down payment is the seller’s equity. You take over the $288,023 balance, so the rest of the $307,900 price is paid at closing. A second mortgage can cover part of it. $31,927.77 is due at closing. Uses and sources reconcile at $319,950.39 each. Not a Closing Disclosure.