Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$761Cash toward the purchase price.
Closing costs + prepaids$10,824Not just lender fees.
Before credits & paid funds$11,585The complete starting cash picture.
Estimated remaining funds due at closing
$11,585No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$760.88
Your down payment$760.88
Closing costs + prepaids$10,823.99
Total buyer cash needed$11,584.87
Remaining funds due$11,584.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,925.00
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)$355.75
Initial HOA (3 months)$285.00
Prepaid interest, first (31 days)$1,033.24
Fees + prepaids$10,823.99
Your down payment is the seller’s equity. You take over the $291,739 balance, so the rest of the $292,500 price is paid at closing. A second mortgage can cover part of it. $11,584.87 is due at closing. Uses and sources reconcile at $303,323.99 each. Not a Closing Disclosure.