Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$1,171Cash toward the purchase price.
Closing costs + prepaids$11,797Not just lender fees.
Before credits & paid funds$12,967The complete starting cash picture.
Estimated remaining funds due at closing
$12,967No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,170.65
Your down payment$1,170.65
Closing costs + prepaids$11,796.78
Total buyer cash needed$12,967.43
Remaining funds due$12,967.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,150.00
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)$1,235.25
Prepaid interest, first (23 days)$1,186.53
Fees + prepaids$11,796.78
Your down payment is the seller’s equity. You take over the $313,829 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $12,967.43 is due at closing. Uses and sources reconcile at $326,796.78 each. Not a Closing Disclosure.