Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$32,978Cash toward the purchase price.
Closing costs + prepaids$10,399Not just lender fees.
Before credits & paid funds$43,377The complete starting cash picture.
Estimated remaining funds due at closing
$43,377No 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$10,399.45
Total buyer cash needed$43,377.29
Remaining funds due$43,377.29
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)$4.50
Initial HOA (3 months)$237.00
Prepaid interest, first (19 days)$742.95
Fees + prepaids$10,399.45
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. $43,377.29 is due at closing. Uses and sources reconcile at $329,399.45 each. Not a Closing Disclosure.