Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$21,793Cash toward the purchase price.
Closing costs + prepaids$10,915Not just lender fees.
Before credits & paid funds$32,708The complete starting cash picture.
Estimated remaining funds due at closing
$32,708No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,792.92
Your down payment$21,792.92
Closing costs + prepaids$10,914.62
Total buyer cash needed$32,707.54
Remaining funds due$32,707.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,449.00
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)$414.00
Initial HOA (3 months)$300.00
Prepaid interest, first (9 days)$526.62
Fees + prepaids$10,914.62
Your down payment is the seller’s equity. You take over the $323,107 balance, so the rest of the $344,900 price is paid at closing. A second mortgage can cover part of it. $32,707.54 is due at closing. Uses and sources reconcile at $355,814.62 each. Not a Closing Disclosure.