Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$2,118Cash toward the purchase price.
Closing costs + prepaids$10,129Not just lender fees.
Before credits & paid funds$12,247The complete starting cash picture.
Estimated remaining funds due at closing
$12,247No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,118.06
Your down payment$2,118.06
Closing costs + prepaids$10,128.79
Total buyer cash needed$12,246.86
Remaining funds due$12,246.86
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 (2 days)$109.04
Fees + prepaids$10,128.79
Your down payment is the seller’s equity. You take over the $314,882 balance, so the rest of the $317,000 price is paid at closing. A second mortgage can cover part of it. $12,246.86 is due at closing. Uses and sources reconcile at $327,128.79 each. Not a Closing Disclosure.