Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$13,248Cash toward the purchase price.
Closing costs + prepaids$11,665Not just lender fees.
Before credits & paid funds$24,913The complete starting cash picture.
Estimated remaining funds due at closing
$24,913No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,247.88
Your down payment$13,247.88
Closing costs + prepaids$11,665.23
Total buyer cash needed$24,913.10
Remaining funds due$24,913.10
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)$850.75
Initial HOA (3 months)$270.00
Prepaid interest, first (22 days)$1,169.48
Fees + prepaids$11,665.23
Your down payment is the seller’s equity. You take over the $301,752 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $24,913.10 is due at closing. Uses and sources reconcile at $326,665.23 each. Not a Closing Disclosure.