Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$23,539Cash toward the purchase price.
Closing costs + prepaids$11,081Not just lender fees.
Before credits & paid funds$34,620The complete starting cash picture.
Estimated remaining funds due at closing
$34,620No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,539.48
Your down payment$23,539.48
Closing costs + prepaids$11,080.81
Total buyer cash needed$34,620.30
Remaining funds due$34,620.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,049.90
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)$299.50
Initial HOA (3 months)$288.00
Prepaid interest, first (23 days)$1,218.41
Fees + prepaids$11,080.81
Your down payment is the seller’s equity. You take over the $281,451 balance, so the rest of the $304,990 price is paid at closing. A second mortgage can cover part of it. $34,620.30 is due at closing. Uses and sources reconcile at $316,070.81 each. Not a Closing Disclosure.