Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$11,418Cash toward the purchase price.
Closing costs + prepaids$12,952Not just lender fees.
Before credits & paid funds$24,370The complete starting cash picture.
Estimated remaining funds due at closing
$24,370No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,417.84
Your down payment$11,417.84
Closing costs + prepaids$12,951.83
Total buyer cash needed$24,369.67
Remaining funds due$24,369.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.00
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)$1,693.25
Initial HOA (3 months)$42.00
Prepaid interest, first (30 days)$1,792.58
Fees + prepaids$12,951.83
Your down payment is the seller’s equity. You take over the $308,482 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $24,369.67 is due at closing. Uses and sources reconcile at $332,851.83 each. Not a Closing Disclosure.