Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$33,655Cash toward the purchase price.
Closing costs + prepaids$10,671Not just lender fees.
Before credits & paid funds$44,326The complete starting cash picture.
Estimated remaining funds due at closing
$44,326No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,655.32
Your down payment$33,655.32
Closing costs + prepaids$10,670.73
Total buyer cash needed$44,326.05
Remaining funds due$44,326.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,149.90
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)$378.00
Initial HOA (3 months)$426.00
Prepaid interest, first (9 days)$491.83
Fees + prepaids$10,670.73
Your down payment is the seller’s equity. You take over the $281,335 balance, so the rest of the $314,990 price is paid at closing. A second mortgage can cover part of it. $44,326.05 is due at closing. Uses and sources reconcile at $325,660.73 each. Not a Closing Disclosure.