Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$9,404Cash toward the purchase price.
Closing costs + prepaids$11,762Not just lender fees.
Before credits & paid funds$21,166The complete starting cash picture.
Estimated remaining funds due at closing
$21,166No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,404.28
Your down payment$9,404.28
Closing costs + prepaids$11,761.80
Total buyer cash needed$21,166.08
Remaining funds due$21,166.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,149.50
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)$787.50
Initial HOA (3 months)$57.51
Prepaid interest, first (28 days)$1,542.29
Fees + prepaids$11,761.80
Your down payment is the seller’s equity. You take over the $305,546 balance, so the rest of the $314,950 price is paid at closing. A second mortgage can cover part of it. $21,166.08 is due at closing. Uses and sources reconcile at $326,711.80 each. Not a Closing Disclosure.