Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$364Cash toward the purchase price.
Closing costs + prepaids$10,792Not just lender fees.
Before credits & paid funds$11,157The complete starting cash picture.
Estimated remaining funds due at closing
$11,157No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$364.42
Your down payment$364.42
Closing costs + prepaids$10,792.27
Total buyer cash needed$11,156.69
Remaining funds due$11,156.69
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)$255.25
Initial HOA (3 months)$75.00
Prepaid interest, first (20 days)$1,067.02
Fees + prepaids$10,792.27
Your down payment is the seller’s equity. You take over the $316,636 balance, so the rest of the $317,000 price is paid at closing. A second mortgage can cover part of it. $11,156.69 is due at closing. Uses and sources reconcile at $327,792.27 each. Not a Closing Disclosure.