Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$9,912Cash toward the purchase price.
Closing costs + prepaids$10,957Not just lender fees.
Before credits & paid funds$20,869The complete starting cash picture.
Estimated remaining funds due at closing
$20,869No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,911.56
Your down payment$9,911.56
Closing costs + prepaids$10,957.39
Total buyer cash needed$20,868.95
Remaining funds due$20,868.95
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)$984.75
Prepaid interest, first (25 days)$597.64
Fees + prepaids$10,957.39
Your down payment is the seller’s equity. You take over the $305,088 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $20,868.95 is due at closing. Uses and sources reconcile at $325,957.39 each. Not a Closing Disclosure.