Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$33,937Cash toward the purchase price.
Closing costs + prepaids$11,197Not just lender fees.
Before credits & paid funds$45,134The complete starting cash picture.
Estimated remaining funds due at closing
$45,134No 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$11,197.33
Total buyer cash needed$45,134.20
Remaining funds due$45,134.20
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 (12 days)$270.83
Fees + prepaids$11,197.33
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. $45,134.20 is due at closing. Uses and sources reconcile at $329,197.33 each. Not a Closing Disclosure.