Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$18,600Cash toward the purchase price.
Closing costs + prepaids$10,815Not just lender fees.
Before credits & paid funds$29,415The complete starting cash picture.
Estimated remaining funds due at closing
$29,415No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,600.41
Your down payment$18,600.41
Closing costs + prepaids$10,814.77
Total buyer cash needed$29,415.19
Remaining funds due$29,415.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,220.00
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)$386.50
Initial HOA (3 months)$300.00
Prepaid interest, first (12 days)$683.27
Fees + prepaids$10,814.77
Your down payment is the seller’s equity. You take over the $303,400 balance, so the rest of the $322,000 price is paid at closing. A second mortgage can cover part of it. $29,415.19 is due at closing. Uses and sources reconcile at $332,814.77 each. Not a Closing Disclosure.