Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$20,866Cash toward the purchase price.
Closing costs + prepaids$9,885Not just lender fees.
Before credits & paid funds$30,750The complete starting cash picture.
Estimated remaining funds due at closing
$30,750No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,865.75
Your down payment$20,865.75
Closing costs + prepaids$9,884.60
Total buyer cash needed$30,750.35
Remaining funds due$30,750.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,140.00
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)$232.75
Initial HOA (3 months)$236.01
Prepaid interest, first (1 days)$50.84
Fees + prepaids$9,884.60
Your down payment is the seller’s equity. You take over the $293,134 balance, so the rest of the $314,000 price is paid at closing. A second mortgage can cover part of it. $30,750.35 is due at closing. Uses and sources reconcile at $323,884.60 each. Not a Closing Disclosure.