Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$18,024Cash toward the purchase price.
Closing costs + prepaids$12,237Not just lender fees.
Before credits & paid funds$30,261The complete starting cash picture.
Estimated remaining funds due at closing
$30,261No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,023.53
Your down payment$18,023.53
Closing costs + prepaids$12,237.06
Total buyer cash needed$30,260.59
Remaining funds due$30,260.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.50
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)$1,618.75
Prepaid interest, first (22 days)$1,193.81
Fees + prepaids$12,237.06
Your down payment is the seller’s equity. You take over the $301,926 balance, so the rest of the $319,950 price is paid at closing. A second mortgage can cover part of it. $30,260.59 is due at closing. Uses and sources reconcile at $332,187.06 each. Not a Closing Disclosure.