Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$22,221Cash toward the purchase price.
Closing costs + prepaids$10,625Not just lender fees.
Before credits & paid funds$32,846The complete starting cash picture.
Estimated remaining funds due at closing
$32,846No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,221.00
Your down payment$22,221.00
Closing costs + prepaids$10,625.16
Total buyer cash needed$32,846.16
Remaining funds due$32,846.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,169.00
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)$117.25
Initial HOA (3 months)$1,062.00
Prepaid interest, first (1 days)$51.91
Fees + prepaids$10,625.16
Your down payment is the seller’s equity. You take over the $294,679 balance, so the rest of the $316,900 price is paid at closing. A second mortgage can cover part of it. $32,846.16 is due at closing. Uses and sources reconcile at $327,525.16 each. Not a Closing Disclosure.