Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$19,966Cash toward the purchase price.
Closing costs + prepaids$11,851Not just lender fees.
Before credits & paid funds$31,817The complete starting cash picture.
Estimated remaining funds due at closing
$31,817No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,966.24
Your down payment$19,966.24
Closing costs + prepaids$11,850.60
Total buyer cash needed$31,816.84
Remaining funds due$31,816.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,150.00
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)$771.00
Initial HOA (3 months)$771.00
Prepaid interest, first (22 days)$933.60
Fees + prepaids$11,850.60
Your down payment is the seller’s equity. You take over the $295,034 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $31,816.84 is due at closing. Uses and sources reconcile at $326,850.60 each. Not a Closing Disclosure.