Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$35,944Cash toward the purchase price.
Closing costs + prepaids$12,384Not just lender fees.
Before credits & paid funds$48,327The complete starting cash picture.
Estimated remaining funds due at closing
$48,327No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,943.81
Your down payment$35,943.81
Closing costs + prepaids$12,383.56
Total buyer cash needed$48,327.37
Remaining funds due$48,327.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,947.50
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)$2,012.75
Prepaid interest, first (25 days)$1,198.31
Fees + prepaids$12,383.56
Your down payment is the seller’s equity. You take over the $258,806 balance, so the rest of the $294,750 price is paid at closing. A second mortgage can cover part of it. $48,327.37 is due at closing. Uses and sources reconcile at $307,133.56 each. Not a Closing Disclosure.