Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$18,765Cash toward the purchase price.
Closing costs + prepaids$11,569Not just lender fees.
Before credits & paid funds$30,334The complete starting cash picture.
Estimated remaining funds due at closing
$30,334No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,765.27
Your down payment$18,765.27
Closing costs + prepaids$11,569.20
Total buyer cash needed$30,334.47
Remaining funds due$30,334.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,849.00
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)$463.50
Initial HOA (3 months)$945.00
Prepaid interest, first (27 days)$1,086.70
Fees + prepaids$11,569.20
Your down payment is the seller’s equity. You take over the $266,135 balance, so the rest of the $284,900 price is paid at closing. A second mortgage can cover part of it. $30,334.47 is due at closing. Uses and sources reconcile at $296,469.20 each. Not a Closing Disclosure.