Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$20,305Cash toward the purchase price.
Closing costs + prepaids$12,282Not just lender fees.
Before credits & paid funds$32,588The complete starting cash picture.
Estimated remaining funds due at closing
$32,588No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,305.31
Your down payment$20,305.31
Closing costs + prepaids$12,282.28
Total buyer cash needed$32,587.59
Remaining funds due$32,587.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,190.00
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)$1,054.25
Initial HOA (3 months)$450.00
Prepaid interest, first (24 days)$1,363.03
Fees + prepaids$12,282.28
Your down payment is the seller’s equity. You take over the $298,695 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $32,587.59 is due at closing. Uses and sources reconcile at $331,282.28 each. Not a Closing Disclosure.