Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$12,263Cash toward the purchase price.
Closing costs + prepaids$11,232Not just lender fees.
Before credits & paid funds$23,495The complete starting cash picture.
Estimated remaining funds due at closing
$23,495No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,263.13
Your down payment$12,263.13
Closing costs + prepaids$11,231.71
Total buyer cash needed$23,494.84
Remaining funds due$23,494.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,070.00
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)$615.50
Initial HOA (3 months)$75.00
Prepaid interest, first (23 days)$1,246.21
Fees + prepaids$11,231.71
Your down payment is the seller’s equity. You take over the $294,737 balance, so the rest of the $307,000 price is paid at closing. A second mortgage can cover part of it. $23,494.84 is due at closing. Uses and sources reconcile at $318,231.71 each. Not a Closing Disclosure.