Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$19,606Cash toward the purchase price.
Closing costs + prepaids$10,743Not just lender fees.
Before credits & paid funds$30,349The complete starting cash picture.
Estimated remaining funds due at closing
$30,349No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,606.46
Your down payment$19,606.46
Closing costs + prepaids$10,742.71
Total buyer cash needed$30,349.17
Remaining funds due$30,349.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,150.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Prepaid interest, first (26 days)$1,367.71
Fees + prepaids$10,742.71
Your down payment is the seller’s equity. You take over the $295,394 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $30,349.17 is due at closing. Uses and sources reconcile at $325,742.71 each. Not a Closing Disclosure.