Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$17,324Cash toward the purchase price.
Closing costs + prepaids$11,226Not just lender fees.
Before credits & paid funds$28,550The complete starting cash picture.
Estimated remaining funds due at closing
$28,550No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,323.75
Your down payment$17,323.75
Closing costs + prepaids$11,226.48
Total buyer cash needed$28,550.23
Remaining funds due$28,550.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,949.90
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)$258.00
Prepaid interest, first (26 days)$1,402.33
Fees + prepaids$11,226.48
Your down payment is the seller’s equity. You take over the $277,666 balance, so the rest of the $294,990 price is paid at closing. A second mortgage can cover part of it. $28,550.23 is due at closing. Uses and sources reconcile at $306,216.48 each. Not a Closing Disclosure.