Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$3,228Cash toward the purchase price.
Closing costs + prepaids$11,596Not just lender fees.
Before credits & paid funds$14,824The complete starting cash picture.
Estimated remaining funds due at closing
$14,824No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,228.36
Your down payment$3,228.36
Closing costs + prepaids$11,595.62
Total buyer cash needed$14,823.98
Remaining funds due$14,823.98
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)$360.75
Initial HOA (3 months)$222.00
Prepaid interest, first (31 days)$1,667.87
Fees + prepaids$11,595.62
Your down payment is the seller’s equity. You take over the $308,772 balance, so the rest of the $312,000 price is paid at closing. A second mortgage can cover part of it. $14,823.98 is due at closing. Uses and sources reconcile at $323,595.62 each. Not a Closing Disclosure.