Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$2,106Cash toward the purchase price.
Closing costs + prepaids$10,518Not just lender fees.
Before credits & paid funds$12,624The complete starting cash picture.
Estimated remaining funds due at closing
$12,624No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,105.64
Your down payment$2,105.64
Closing costs + prepaids$10,518.49
Total buyer cash needed$12,624.13
Remaining funds due$12,624.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,300.00
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)$396.00
Initial HOA (3 months)$182.01
Prepaid interest, first (10 days)$415.48
Fees + prepaids$10,518.49
Your down payment is the seller’s equity. You take over the $327,894 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $12,624.13 is due at closing. Uses and sources reconcile at $340,518.49 each. Not a Closing Disclosure.