Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$22,912Cash toward the purchase price.
Closing costs + prepaids$10,461Not just lender fees.
Before credits & paid funds$33,373The complete starting cash picture.
Estimated remaining funds due at closing
$33,373No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,911.56
Your down payment$22,911.56
Closing costs + prepaids$10,461.03
Total buyer cash needed$33,372.59
Remaining funds due$33,372.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,280.00
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)$836.50
Prepaid interest, first (5 days)$119.53
Fees + prepaids$10,461.03
Your down payment is the seller’s equity. You take over the $305,088 balance, so the rest of the $328,000 price is paid at closing. A second mortgage can cover part of it. $33,372.59 is due at closing. Uses and sources reconcile at $338,461.03 each. Not a Closing Disclosure.