Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$10,412Cash toward the purchase price.
Closing costs + prepaids$12,043Not just lender fees.
Before credits & paid funds$22,455The complete starting cash picture.
Estimated remaining funds due at closing
$22,455No 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$12,042.70
Total buyer cash needed$22,455.03
Remaining funds due$22,455.03
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)$372.25
Initial HOA (3 months)$885.00
Prepaid interest, first (27 days)$1,410.45
Fees + prepaids$12,042.70
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. $22,455.03 is due at closing. Uses and sources reconcile at $327,042.70 each. Not a Closing Disclosure.