Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$35,978Cash toward the purchase price.
Closing costs + prepaids$10,703Not just lender fees.
Before credits & paid funds$46,681The complete starting cash picture.
Estimated remaining funds due at closing
$46,681No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,977.84
Your down payment$35,977.84
Closing costs + prepaids$10,703.17
Total buyer cash needed$46,681.01
Remaining funds due$46,681.01
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)$4.50
Initial HOA (3 months)$237.00
Prepaid interest, first (26 days)$1,016.67
Fees + prepaids$10,703.17
Your down payment is the seller’s equity. You take over the $286,022 balance, so the rest of the $322,000 price is paid at closing. A second mortgage can cover part of it. $46,681.01 is due at closing. Uses and sources reconcile at $332,703.17 each. Not a Closing Disclosure.