Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$31,616Cash toward the purchase price.
Closing costs + prepaids$11,766Not just lender fees.
Before credits & paid funds$43,382The complete starting cash picture.
Estimated remaining funds due at closing
$43,382No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,615.85
Your down payment$31,615.85
Closing costs + prepaids$11,766.40
Total buyer cash needed$43,382.25
Remaining funds due$43,382.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.00
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)$400.00
Initial HOA (3 months)$1,275.00
Prepaid interest, first (13 days)$667.40
Fees + prepaids$11,766.40
Your down payment is the seller’s equity. You take over the $288,284 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $43,382.25 is due at closing. Uses and sources reconcile at $331,666.40 each. Not a Closing Disclosure.