Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$32,978Cash toward the purchase price.
Closing costs + prepaids$10,387Not just lender fees.
Before credits & paid funds$43,365The complete starting cash picture.
Estimated remaining funds due at closing
$43,365No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,977.84
Your down payment$32,977.84
Closing costs + prepaids$10,386.67
Total buyer cash needed$43,364.51
Remaining funds due$43,364.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,190.00
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)$382.75
Initial HOA (3 months)$237.00
Prepaid interest, first (9 days)$351.92
Fees + prepaids$10,386.67
Your down payment is the seller’s equity. You take over the $286,022 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $43,364.51 is due at closing. Uses and sources reconcile at $329,386.67 each. Not a Closing Disclosure.