Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$26,488Cash toward the purchase price.
Closing costs + prepaids$11,069Not just lender fees.
Before credits & paid funds$37,557The complete starting cash picture.
Estimated remaining funds due at closing
$37,557No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,487.99
Your down payment$26,487.99
Closing costs + prepaids$11,069.10
Total buyer cash needed$37,557.09
Remaining funds due$37,557.09
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)$390.00
Initial HOA (3 months)$555.00
Prepaid interest, first (15 days)$779.10
Fees + prepaids$11,069.10
Your down payment is the seller’s equity. You take over the $285,512 balance, so the rest of the $312,000 price is paid at closing. A second mortgage can cover part of it. $37,557.09 is due at closing. Uses and sources reconcile at $323,069.10 each. Not a Closing Disclosure.