Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$563Cash toward the purchase price.
Closing costs + prepaids$12,971Not just lender fees.
Before credits & paid funds$13,534The complete starting cash picture.
Estimated remaining funds due at closing
$13,534No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$563.26
Your down payment$563.26
Closing costs + prepaids$12,970.97
Total buyer cash needed$13,534.23
Remaining funds due$13,534.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,950.00
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)$1,666.50
Initial HOA (3 months)$519.99
Prepaid interest, first (29 days)$1,609.48
Fees + prepaids$12,970.97
Your down payment is the seller’s equity. You take over the $294,437 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $13,534.23 is due at closing. Uses and sources reconcile at $307,970.97 each. Not a Closing Disclosure.