Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$17,236Cash toward the purchase price.
Closing costs + prepaids$12,213Not just lender fees.
Before credits & paid funds$29,449The complete starting cash picture.
Estimated remaining funds due at closing
$29,449No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,236.30
Your down payment$17,236.30
Closing costs + prepaids$12,213.14
Total buyer cash needed$29,449.44
Remaining funds due$29,449.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,315.00
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)$1,057.25
Initial HOA (3 months)$312.00
Prepaid interest, first (24 days)$1,303.89
Fees + prepaids$12,213.14
Your down payment is the seller’s equity. You take over the $314,264 balance, so the rest of the $331,500 price is paid at closing. A second mortgage can cover part of it. $29,449.44 is due at closing. Uses and sources reconcile at $343,713.14 each. Not a Closing Disclosure.