Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$12,711Cash toward the purchase price.
Closing costs + prepaids$12,212Not just lender fees.
Before credits & paid funds$24,923The complete starting cash picture.
Estimated remaining funds due at closing
$24,923No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,710.90
Your down payment$12,710.90
Closing costs + prepaids$12,211.92
Total buyer cash needed$24,922.82
Remaining funds due$24,922.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,975.00
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)$1,043.50
Initial HOA (3 months)$669.00
Prepaid interest, first (22 days)$1,299.42
Fees + prepaids$12,211.92
Your down payment is the seller’s equity. You take over the $284,789 balance, so the rest of the $297,500 price is paid at closing. A second mortgage can cover part of it. $24,922.82 is due at closing. Uses and sources reconcile at $309,711.92 each. Not a Closing Disclosure.