Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$26,298Cash toward the purchase price.
Closing costs + prepaids$11,175Not just lender fees.
Before credits & paid funds$37,473The complete starting cash picture.
Estimated remaining funds due at closing
$37,473No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,297.99
Your down payment$26,297.99
Closing costs + prepaids$11,174.61
Total buyer cash needed$37,472.59
Remaining funds due$37,472.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,070.00
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)$355.00
Initial HOA (3 months)$204.00
Prepaid interest, first (27 days)$1,320.61
Fees + prepaids$11,174.61
Your down payment is the seller’s equity. You take over the $280,702 balance, so the rest of the $307,000 price is paid at closing. A second mortgage can cover part of it. $37,472.59 is due at closing. Uses and sources reconcile at $318,174.61 each. Not a Closing Disclosure.