Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$6,764Cash toward the purchase price.
Closing costs + prepaids$11,495Not just lender fees.
Before credits & paid funds$18,260The complete starting cash picture.
Estimated remaining funds due at closing
$18,260No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,764.34
Your down payment$6,764.34
Closing costs + prepaids$11,495.32
Total buyer cash needed$18,259.66
Remaining funds due$18,259.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,110.00
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)$634.50
Initial HOA (3 months)$62.49
Prepaid interest, first (28 days)$1,463.33
Fees + prepaids$11,495.32
Your down payment is the seller’s equity. You take over the $304,236 balance, so the rest of the $311,000 price is paid at closing. A second mortgage can cover part of it. $18,259.66 is due at closing. Uses and sources reconcile at $322,495.32 each. Not a Closing Disclosure.