Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$34,308Cash toward the purchase price.
Closing costs + prepaids$12,268Not just lender fees.
Before credits & paid funds$46,576The complete starting cash picture.
Estimated remaining funds due at closing
$46,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,307.72
Your down payment$34,307.72
Closing costs + prepaids$12,268.21
Total buyer cash needed$46,575.93
Remaining funds due$46,575.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,030.00
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)$1,802.25
Prepaid interest, first (25 days)$1,210.96
Fees + prepaids$12,268.21
Your down payment is the seller’s equity. You take over the $268,692 balance, so the rest of the $303,000 price is paid at closing. A second mortgage can cover part of it. $46,575.93 is due at closing. Uses and sources reconcile at $315,268.21 each. Not a Closing Disclosure.