Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$31,946Cash toward the purchase price.
Closing costs + prepaids$12,226Not just lender fees.
Before credits & paid funds$44,172The complete starting cash picture.
Estimated remaining funds due at closing
$44,172No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,945.63
Your down payment$31,945.63
Closing costs + prepaids$12,225.93
Total buyer cash needed$44,171.55
Remaining funds due$44,171.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,129.00
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)$1,256.50
Initial HOA (3 months)$249.99
Prepaid interest, first (27 days)$1,365.44
Fees + prepaids$12,225.93
Your down payment is the seller’s equity. You take over the $280,954 balance, so the rest of the $312,900 price is paid at closing. A second mortgage can cover part of it. $44,171.55 is due at closing. Uses and sources reconcile at $325,125.93 each. Not a Closing Disclosure.