Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$24,174Cash toward the purchase price.
Closing costs + prepaids$12,892Not just lender fees.
Before credits & paid funds$37,066The complete starting cash picture.
Estimated remaining funds due at closing
$37,066No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,173.59
Your down payment$24,173.59
Closing costs + prepaids$12,891.99
Total buyer cash needed$37,065.58
Remaining funds due$37,065.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,000.00
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)$623.00
Initial HOA (3 months)$1,584.00
Prepaid interest, first (28 days)$1,459.99
Fees + prepaids$12,891.99
Your down payment is the seller’s equity. You take over the $275,826 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $37,065.58 is due at closing. Uses and sources reconcile at $312,891.99 each. Not a Closing Disclosure.