Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$12,971Cash toward the purchase price.
Closing costs + prepaids$10,652Not just lender fees.
Before credits & paid funds$23,623The complete starting cash picture.
Estimated remaining funds due at closing
$23,623No 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$10,652.10
Total buyer cash needed$23,623.17
Remaining funds due$23,623.17
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 (27 days)$1,142.10
Fees + prepaids$10,652.10
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. $23,623.17 is due at closing. Uses and sources reconcile at $333,652.10 each. Not a Closing Disclosure.