Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$32,240Cash toward the purchase price.
Closing costs + prepaids$11,774Not just lender fees.
Before credits & paid funds$44,013The complete starting cash picture.
Estimated remaining funds due at closing
$44,013No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,239.80
Your down payment$32,239.80
Closing costs + prepaids$11,773.53
Total buyer cash needed$44,013.34
Remaining funds due$44,013.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,543.00
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)$641.50
Initial HOA (3 months)$120.00
Prepaid interest, first (23 days)$1,244.03
Fees + prepaids$11,773.53
Your down payment is the seller’s equity. You take over the $322,060 balance, so the rest of the $354,300 price is paid at closing. A second mortgage can cover part of it. $44,013.34 is due at closing. Uses and sources reconcile at $366,073.53 each. Not a Closing Disclosure.