Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$11,871Cash toward the purchase price.
Closing costs + prepaids$11,435Not just lender fees.
Before credits & paid funds$23,306The complete starting cash picture.
Estimated remaining funds due at closing
$23,306No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,870.60
Your down payment$11,870.60
Closing costs + prepaids$11,435.02
Total buyer cash needed$23,305.62
Remaining funds due$23,305.62
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)$507.50
Prepaid interest, first (26 days)$1,552.52
Fees + prepaids$11,435.02
Your down payment is the seller’s equity. You take over the $303,129 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $23,305.62 is due at closing. Uses and sources reconcile at $326,435.02 each. Not a Closing Disclosure.