Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$12,453Cash toward the purchase price.
Closing costs + prepaids$10,697Not just lender fees.
Before credits & paid funds$23,150The complete starting cash picture.
Estimated remaining funds due at closing
$23,150No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,452.67
Your down payment$12,452.67
Closing costs + prepaids$10,697.37
Total buyer cash needed$23,150.04
Remaining funds due$23,150.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.00
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)$254.50
Prepaid interest, first (18 days)$1,018.87
Fees + prepaids$10,697.37
Your down payment is the seller’s equity. You take over the $307,447 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $23,150.04 is due at closing. Uses and sources reconcile at $330,597.37 each. Not a Closing Disclosure.