Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$21,735Cash toward the purchase price.
Closing costs + prepaids$10,760Not just lender fees.
Before credits & paid funds$32,495The complete starting cash picture.
Estimated remaining funds due at closing
$32,495No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,734.91
Your down payment$21,734.91
Closing costs + prepaids$10,760.14
Total buyer cash needed$32,495.05
Remaining funds due$32,495.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.00
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)$396.00
Initial HOA (3 months)$239.01
Prepaid interest, first (10 days)$601.13
Fees + prepaids$10,760.14
Your down payment is the seller’s equity. You take over the $308,165 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $32,495.05 is due at closing. Uses and sources reconcile at $340,660.14 each. Not a Closing Disclosure.