Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$3,198Cash toward the purchase price.
Closing costs + prepaids$12,099Not just lender fees.
Before credits & paid funds$15,297The complete starting cash picture.
Estimated remaining funds due at closing
$15,297No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,198.16
Your down payment$3,198.16
Closing costs + prepaids$12,099.14
Total buyer cash needed$15,297.30
Remaining funds due$15,297.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,950.00
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)$782.00
Initial HOA (3 months)$873.00
Prepaid interest, first (25 days)$1,269.14
Fees + prepaids$12,099.14
Your down payment is the seller’s equity. You take over the $291,802 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $15,297.30 is due at closing. Uses and sources reconcile at $307,099.14 each. Not a Closing Disclosure.