Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$17,766Cash toward the purchase price.
Closing costs + prepaids$11,930Not just lender fees.
Before credits & paid funds$29,696The complete starting cash picture.
Estimated remaining funds due at closing
$29,696No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,765.69
Your down payment$17,765.69
Closing costs + prepaids$11,929.89
Total buyer cash needed$29,695.57
Remaining funds due$29,695.57
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)$945.75
Initial HOA (3 months)$150.00
Prepaid interest, first (31 days)$1,459.14
Fees + prepaids$11,929.89
Your down payment is the seller’s equity. You take over the $297,234 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $29,695.57 is due at closing. Uses and sources reconcile at $326,929.89 each. Not a Closing Disclosure.