Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$11,002Cash toward the purchase price.
Closing costs + prepaids$12,316Not just lender fees.
Before credits & paid funds$23,319The complete starting cash picture.
Estimated remaining funds due at closing
$23,319No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,002.44
Your down payment$11,002.44
Closing costs + prepaids$12,316.23
Total buyer cash needed$23,318.67
Remaining funds due$23,318.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,320.00
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)$1,077.25
Initial HOA (3 months)$36.75
Prepaid interest, first (28 days)$1,657.23
Fees + prepaids$12,316.23
Your down payment is the seller’s equity. You take over the $320,998 balance, so the rest of the $332,000 price is paid at closing. A second mortgage can cover part of it. $23,318.67 is due at closing. Uses and sources reconcile at $344,316.23 each. Not a Closing Disclosure.