Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$24,662Cash toward the purchase price.
Closing costs + prepaids$11,758Not just lender fees.
Before credits & paid funds$36,420The complete starting cash picture.
Estimated remaining funds due at closing
$36,420No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,661.86
Your down payment$24,661.86
Closing costs + prepaids$11,757.86
Total buyer cash needed$36,419.72
Remaining funds due$36,419.72
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)$787.50
Initial HOA (3 months)$87.51
Prepaid interest, first (28 days)$1,507.85
Fees + prepaids$11,757.86
Your down payment is the seller’s equity. You take over the $290,338 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $36,419.72 is due at closing. Uses and sources reconcile at $326,757.86 each. Not a Closing Disclosure.