Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$9,755Cash toward the purchase price.
Closing costs + prepaids$13,089Not just lender fees.
Before credits & paid funds$22,844The complete starting cash picture.
Estimated remaining funds due at closing
$22,844No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,755.30
Your down payment$9,755.30
Closing costs + prepaids$13,088.72
Total buyer cash needed$22,844.02
Remaining funds due$22,844.02
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)$1,049.25
Initial HOA (3 months)$1,743.00
Prepaid interest, first (18 days)$881.47
Fees + prepaids$13,088.72
Your down payment is the seller’s equity. You take over the $309,245 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $22,844.02 is due at closing. Uses and sources reconcile at $332,088.72 each. Not a Closing Disclosure.