Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$33,937Cash toward the purchase price.
Closing costs + prepaids$11,062Not just lender fees.
Before credits & paid funds$44,999The complete starting cash picture.
Estimated remaining funds due at closing
$44,999No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,936.86
Your down payment$33,936.86
Closing costs + prepaids$11,061.92
Total buyer cash needed$44,998.78
Remaining funds due$44,998.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,180.00
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)$381.50
Initial HOA (3 months)$1,140.00
Prepaid interest, first (6 days)$135.42
Fees + prepaids$11,061.92
Your down payment is the seller’s equity. You take over the $284,063 balance, so the rest of the $318,000 price is paid at closing. A second mortgage can cover part of it. $44,998.78 is due at closing. Uses and sources reconcile at $329,061.92 each. Not a Closing Disclosure.