Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$40,825Cash toward the purchase price.
Closing costs + prepaids$10,756Not just lender fees.
Before credits & paid funds$51,581The complete starting cash picture.
Estimated remaining funds due at closing
$51,581No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,825.20
Your down payment$40,825.20
Closing costs + prepaids$10,756.19
Total buyer cash needed$51,581.39
Remaining funds due$51,581.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,269.00
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)$392.25
Initial HOA (3 months)$645.00
Prepaid interest, first (10 days)$224.94
Fees + prepaids$10,756.19
Your down payment is the seller’s equity. You take over the $286,075 balance, so the rest of the $326,900 price is paid at closing. A second mortgage can cover part of it. $51,581.39 is due at closing. Uses and sources reconcile at $337,656.19 each. Not a Closing Disclosure.