Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$2,982Cash toward the purchase price.
Closing costs + prepaids$11,149Not just lender fees.
Before credits & paid funds$14,131The complete starting cash picture.
Estimated remaining funds due at closing
$14,131No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,982.13
Your down payment$2,982.13
Closing costs + prepaids$11,148.94
Total buyer cash needed$14,131.08
Remaining funds due$14,131.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,104.90
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Initial HOA (3 months)$450.00
Prepaid interest, first (25 days)$1,369.04
Fees + prepaids$11,148.94
Your down payment is the seller’s equity. You take over the $307,508 balance, so the rest of the $310,490 price is paid at closing. A second mortgage can cover part of it. $14,131.08 is due at closing. Uses and sources reconcile at $321,638.94 each. Not a Closing Disclosure.