Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$3,329Cash toward the purchase price.
Closing costs + prepaids$12,615Not just lender fees.
Before credits & paid funds$15,944The complete starting cash picture.
Estimated remaining funds due at closing
$15,944No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,329.13
Your down payment$3,329.13
Closing costs + prepaids$12,615.30
Total buyer cash needed$15,944.42
Remaining funds due$15,944.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,000.00
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)$138.75
Initial HOA (3 months)$1,578.00
Prepaid interest, first (29 days)$1,673.55
Fees + prepaids$12,615.30
Your down payment is the seller’s equity. You take over the $296,671 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $15,944.42 is due at closing. Uses and sources reconcile at $312,615.30 each. Not a Closing Disclosure.