Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$2,849Cash toward the purchase price.
Closing costs + prepaids$10,035Not just lender fees.
Before credits & paid funds$12,884The complete starting cash picture.
Estimated remaining funds due at closing
$12,884No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,848.56
Your down payment$2,848.56
Closing costs + prepaids$10,035.49
Total buyer cash needed$12,884.05
Remaining funds due$12,884.05
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)$360.75
Initial HOA (3 months)$222.00
Prepaid interest, first (2 days)$107.74
Fees + prepaids$10,035.49
Your down payment is the seller’s equity. You take over the $309,151 balance, so the rest of the $312,000 price is paid at closing. A second mortgage can cover part of it. $12,884.05 is due at closing. Uses and sources reconcile at $322,035.49 each. Not a Closing Disclosure.