Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$24,578Cash toward the purchase price.
Closing costs + prepaids$11,566Not just lender fees.
Before credits & paid funds$36,144The complete starting cash picture.
Estimated remaining funds due at closing
$36,144No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,578.04
Your down payment$24,578.04
Closing costs + prepaids$11,566.06
Total buyer cash needed$36,144.10
Remaining funds due$36,144.10
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)$328.25
Initial HOA (3 months)$585.00
Prepaid interest, first (24 days)$1,307.81
Fees + prepaids$11,566.06
Your down payment is the seller’s equity. You take over the $287,422 balance, so the rest of the $312,000 price is paid at closing. A second mortgage can cover part of it. $36,144.10 is due at closing. Uses and sources reconcile at $323,566.06 each. Not a Closing Disclosure.