Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$10,412Cash toward the purchase price.
Closing costs + prepaids$11,108Not just lender fees.
Before credits & paid funds$21,520The complete starting cash picture.
Estimated remaining funds due at closing
$21,520No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,412.33
Your down payment$10,412.33
Closing costs + prepaids$11,108.15
Total buyer cash needed$21,520.48
Remaining funds due$21,520.48
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)$378.00
Initial HOA (3 months)$885.00
Prepaid interest, first (9 days)$470.15
Fees + prepaids$11,108.15
Your down payment is the seller’s equity. You take over the $304,588 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $21,520.48 is due at closing. Uses and sources reconcile at $326,108.15 each. Not a Closing Disclosure.