Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$20,617Cash toward the purchase price.
Closing costs + prepaids$12,832Not just lender fees.
Before credits & paid funds$33,449The complete starting cash picture.
Estimated remaining funds due at closing
$33,449No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,616.63
Your down payment$20,616.63
Closing costs + prepaids$12,832.37
Total buyer cash needed$33,449.00
Remaining funds due$33,449.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,430.00
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)$1,301.50
Initial HOA (3 months)$312.00
Prepaid interest, first (26 days)$1,563.87
Fees + prepaids$12,832.37
Your down payment is the seller’s equity. You take over the $322,383 balance, so the rest of the $343,000 price is paid at closing. A second mortgage can cover part of it. $33,449.00 is due at closing. Uses and sources reconcile at $355,832.37 each. Not a Closing Disclosure.