Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$18,699Cash toward the purchase price.
Closing costs + prepaids$11,784Not just lender fees.
Before credits & paid funds$30,483The complete starting cash picture.
Estimated remaining funds due at closing
$30,483No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,698.59
Your down payment$18,698.59
Closing costs + prepaids$11,784.12
Total buyer cash needed$30,482.71
Remaining funds due$30,482.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,950.00
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)$657.25
Initial HOA (3 months)$645.00
Prepaid interest, first (26 days)$1,306.87
Fees + prepaids$11,784.12
Your down payment is the seller’s equity. You take over the $276,301 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $30,482.71 is due at closing. Uses and sources reconcile at $306,784.12 each. Not a Closing Disclosure.