Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$5,764Cash toward the purchase price.
Closing costs + prepaids$12,635Not just lender fees.
Before credits & paid funds$18,399The complete starting cash picture.
Estimated remaining funds due at closing
$18,399No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,764.34
Your down payment$5,764.34
Closing costs + prepaids$12,635.12
Total buyer cash needed$18,399.46
Remaining funds due$18,399.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,100.00
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)$1,390.00
Initial HOA (3 months)$300.00
Prepaid interest, first (31 days)$1,620.12
Fees + prepaids$12,635.12
Your down payment is the seller’s equity. You take over the $304,236 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $18,399.46 is due at closing. Uses and sources reconcile at $322,635.12 each. Not a Closing Disclosure.