Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$1,743Cash toward the purchase price.
Closing costs + prepaids$10,980Not just lender fees.
Before credits & paid funds$12,723The complete starting cash picture.
Estimated remaining funds due at closing
$12,723No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,742.78
Your down payment$1,742.78
Closing costs + prepaids$10,979.78
Total buyer cash needed$12,722.56
Remaining funds due$12,722.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,230.00
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)$756.00
Prepaid interest, first (6 days)$381.28
Fees + prepaids$10,979.78
Your down payment is the seller’s equity. You take over the $321,257 balance, so the rest of the $323,000 price is paid at closing. A second mortgage can cover part of it. $12,722.56 is due at closing. Uses and sources reconcile at $333,979.78 each. Not a Closing Disclosure.