Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$26,488Cash toward the purchase price.
Closing costs + prepaids$11,646Not just lender fees.
Before credits & paid funds$38,134The complete starting cash picture.
Estimated remaining funds due at closing
$38,134No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,487.99
Your down payment$26,487.99
Closing costs + prepaids$11,646.24
Total buyer cash needed$38,134.23
Remaining funds due$38,134.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,120.00
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)$447.75
Initial HOA (3 months)$555.00
Prepaid interest, first (25 days)$1,298.49
Fees + prepaids$11,646.24
Your down payment is the seller’s equity. You take over the $285,512 balance, so the rest of the $312,000 price is paid at closing. A second mortgage can cover part of it. $38,134.23 is due at closing. Uses and sources reconcile at $323,646.24 each. Not a Closing Disclosure.