Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$20,454Cash toward the purchase price.
Closing costs + prepaids$12,457Not just lender fees.
Before credits & paid funds$32,911The complete starting cash picture.
Estimated remaining funds due at closing
$32,911No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,453.58
Your down payment$20,453.58
Closing costs + prepaids$12,457.02
Total buyer cash needed$32,910.60
Remaining funds due$32,910.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,149.00
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)$938.75
Initial HOA (3 months)$870.00
Prepaid interest, first (22 days)$1,274.27
Fees + prepaids$12,457.02
Your down payment is the seller’s equity. You take over the $294,446 balance, so the rest of the $314,900 price is paid at closing. A second mortgage can cover part of it. $32,910.60 is due at closing. Uses and sources reconcile at $327,357.02 each. Not a Closing Disclosure.