Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$28,473Cash toward the purchase price.
Closing costs + prepaids$12,262Not just lender fees.
Before credits & paid funds$40,734The complete starting cash picture.
Estimated remaining funds due at closing
$40,734No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,472.59
Your down payment$28,472.59
Closing costs + prepaids$12,261.62
Total buyer cash needed$40,734.21
Remaining funds due$40,734.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,050.00
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)$762.50
Initial HOA (3 months)$1,575.00
Prepaid interest, first (28 days)$649.12
Fees + prepaids$12,261.62
Your down payment is the seller’s equity. You take over the $276,527 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $40,734.21 is due at closing. Uses and sources reconcile at $317,261.62 each. Not a Closing Disclosure.