Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$3,213Cash toward the purchase price.
Closing costs + prepaids$11,080Not just lender fees.
Before credits & paid funds$14,293The complete starting cash picture.
Estimated remaining funds due at closing
$14,293No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,213.00
Your down payment$3,213.00
Closing costs + prepaids$11,079.80
Total buyer cash needed$14,292.81
Remaining funds due$14,292.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,099.00
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)$387.50
Initial HOA (3 months)$510.00
Prepaid interest, first (15 days)$858.30
Fees + prepaids$11,079.80
Your down payment is the seller’s equity. You take over the $306,687 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $14,292.81 is due at closing. Uses and sources reconcile at $320,979.80 each. Not a Closing Disclosure.