Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$12,445Cash toward the purchase price.
Closing costs + prepaids$10,972Not just lender fees.
Before credits & paid funds$23,417The complete starting cash picture.
Estimated remaining funds due at closing
$23,417No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,445.22
Your down payment$12,445.22
Closing costs + prepaids$10,971.62
Total buyer cash needed$23,416.84
Remaining funds due$23,416.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,975.00
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)$1,043.50
Initial HOA (3 months)$669.00
Prepaid interest, first (1 days)$59.12
Fees + prepaids$10,971.62
Your down payment is the seller’s equity. You take over the $285,055 balance, so the rest of the $297,500 price is paid at closing. A second mortgage can cover part of it. $23,416.84 is due at closing. Uses and sources reconcile at $308,471.62 each. Not a Closing Disclosure.