Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$14,650Cash toward the purchase price.
Closing costs + prepaids$12,227Not just lender fees.
Before credits & paid funds$26,877The complete starting cash picture.
Estimated remaining funds due at closing
$26,877No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,650.24
Your down payment$14,650.24
Closing costs + prepaids$12,227.23
Total buyer cash needed$26,877.47
Remaining funds due$26,877.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,120.00
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)$468.75
Initial HOA (3 months)$864.00
Prepaid interest, first (30 days)$1,549.48
Fees + prepaids$12,227.23
Your down payment is the seller’s equity. You take over the $297,350 balance, so the rest of the $312,000 price is paid at closing. A second mortgage can cover part of it. $26,877.47 is due at closing. Uses and sources reconcile at $324,227.23 each. Not a Closing Disclosure.