Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$2,500Cash toward the purchase price.
Closing costs + prepaids$11,436Not just lender fees.
Before credits & paid funds$13,936The complete starting cash picture.
Estimated remaining funds due at closing
$13,936No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,499.98
Your down payment$2,499.98
Closing costs + prepaids$11,435.60
Total buyer cash needed$13,935.58
Remaining funds due$13,935.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,170.00
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)$294.75
Initial HOA (3 months)$330.00
Prepaid interest, first (26 days)$1,415.85
Fees + prepaids$11,435.60
Your down payment is the seller’s equity. You take over the $314,500 balance, so the rest of the $317,000 price is paid at closing. A second mortgage can cover part of it. $13,935.58 is due at closing. Uses and sources reconcile at $328,435.60 each. Not a Closing Disclosure.