Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$18,460Cash toward the purchase price.
Closing costs + prepaids$11,917Not just lender fees.
Before credits & paid funds$30,377The complete starting cash picture.
Estimated remaining funds due at closing
$30,377No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,460.34
Your down payment$18,460.34
Closing costs + prepaids$11,916.73
Total buyer cash needed$30,377.07
Remaining funds due$30,377.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,149.99
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)$217.25
Initial HOA (3 months)$672.00
Prepaid interest, first (30 days)$1,652.49
Fees + prepaids$11,916.73
Your down payment is the seller’s equity. You take over the $296,539 balance, so the rest of the $314,999 price is paid at closing. A second mortgage can cover part of it. $30,377.07 is due at closing. Uses and sources reconcile at $326,915.73 each. Not a Closing Disclosure.