Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$26,208Cash toward the purchase price.
Closing costs + prepaids$11,379Not just lender fees.
Before credits & paid funds$37,587The complete starting cash picture.
Estimated remaining funds due at closing
$37,587No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,208.08
Your down payment$26,208.08
Closing costs + prepaids$11,378.67
Total buyer cash needed$37,586.75
Remaining funds due$37,586.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,219.00
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)$423.00
Initial HOA (3 months)$90.00
Prepaid interest, first (23 days)$1,421.67
Fees + prepaids$11,378.67
Your down payment is the seller’s equity. You take over the $295,692 balance, so the rest of the $321,900 price is paid at closing. A second mortgage can cover part of it. $37,586.75 is due at closing. Uses and sources reconcile at $333,278.67 each. Not a Closing Disclosure.