Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$2,379Cash toward the purchase price.
Closing costs + prepaids$10,935Not just lender fees.
Before credits & paid funds$13,314The complete starting cash picture.
Estimated remaining funds due at closing
$13,314No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,378.61
Your down payment$2,378.61
Closing costs + prepaids$10,935.06
Total buyer cash needed$13,313.67
Remaining funds due$13,313.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,260.00
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)$391.25
Initial HOA (3 months)$330.00
Prepaid interest, first (12 days)$728.81
Fees + prepaids$10,935.06
Your down payment is the seller’s equity. You take over the $323,621 balance, so the rest of the $326,000 price is paid at closing. A second mortgage can cover part of it. $13,313.67 is due at closing. Uses and sources reconcile at $336,935.06 each. Not a Closing Disclosure.