Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$8,016Cash toward the purchase price.
Closing costs + prepaids$10,978Not just lender fees.
Before credits & paid funds$18,994The complete starting cash picture.
Estimated remaining funds due at closing
$18,994No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,016.12
Your down payment$8,016.12
Closing costs + prepaids$10,977.64
Total buyer cash needed$18,993.76
Remaining funds due$18,993.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,940.00
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)$340.25
Prepaid interest, first (27 days)$1,472.39
Fees + prepaids$10,977.64
Your down payment is the seller’s equity. You take over the $285,984 balance, so the rest of the $294,000 price is paid at closing. A second mortgage can cover part of it. $18,993.76 is due at closing. Uses and sources reconcile at $304,977.64 each. Not a Closing Disclosure.