Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$23,036Cash toward the purchase price.
Closing costs + prepaids$11,154Not just lender fees.
Before credits & paid funds$34,190The complete starting cash picture.
Estimated remaining funds due at closing
$34,190No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,035.87
Your down payment$23,035.87
Closing costs + prepaids$11,153.72
Total buyer cash needed$34,189.59
Remaining funds due$34,189.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,040.00
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)$551.25
Prepaid interest, first (25 days)$1,337.47
Fees + prepaids$11,153.72
Your down payment is the seller’s equity. You take over the $280,964 balance, so the rest of the $304,000 price is paid at closing. A second mortgage can cover part of it. $34,189.59 is due at closing. Uses and sources reconcile at $315,153.72 each. Not a Closing Disclosure.