Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$11,426Cash toward the purchase price.
Closing costs + prepaids$13,515Not just lender fees.
Before credits & paid funds$24,941The complete starting cash picture.
Estimated remaining funds due at closing
$24,941No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,425.97
Your down payment$11,425.97
Closing costs + prepaids$13,514.70
Total buyer cash needed$24,940.67
Remaining funds due$24,940.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,190.00
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)$1,384.25
Initial HOA (3 months)$960.00
Prepaid interest, first (28 days)$1,755.45
Fees + prepaids$13,514.70
Your down payment is the seller’s equity. You take over the $307,574 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $24,940.67 is due at closing. Uses and sources reconcile at $332,514.70 each. Not a Closing Disclosure.