Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$1,358Cash toward the purchase price.
Closing costs + prepaids$10,619Not just lender fees.
Before credits & paid funds$11,977The complete starting cash picture.
Estimated remaining funds due at closing
$11,977No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,357.85
Your down payment$1,357.85
Closing costs + prepaids$10,618.97
Total buyer cash needed$11,976.82
Remaining funds due$11,976.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,150.00
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)$1,034.25
Initial HOA (3 months)$150.00
Prepaid interest, first (1 days)$59.72
Fees + prepaids$10,618.97
Your down payment is the seller’s equity. You take over the $313,642 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $11,976.82 is due at closing. Uses and sources reconcile at $325,618.97 each. Not a Closing Disclosure.