Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$12,971Cash toward the purchase price.
Closing costs + prepaids$10,398Not just lender fees.
Before credits & paid funds$23,369The complete starting cash picture.
Estimated remaining funds due at closing
$23,369No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,971.08
Your down payment$12,971.08
Closing costs + prepaids$10,398.30
Total buyer cash needed$23,369.38
Remaining funds due$23,369.38
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)$55.00
Prepaid interest, first (21 days)$888.30
Fees + prepaids$10,398.30
Your down payment is the seller’s equity. You take over the $310,029 balance, so the rest of the $323,000 price is paid at closing. A second mortgage can cover part of it. $23,369.38 is due at closing. Uses and sources reconcile at $333,398.30 each. Not a Closing Disclosure.