Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$10,976Cash toward the purchase price.
Closing costs + prepaids$11,673Not just lender fees.
Before credits & paid funds$22,650The complete starting cash picture.
Estimated remaining funds due at closing
$22,650No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,976.31
Your down payment$10,976.31
Closing costs + prepaids$11,673.48
Total buyer cash needed$22,649.78
Remaining funds due$22,649.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,950.00
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)$1,097.50
Prepaid interest, first (28 days)$1,400.98
Fees + prepaids$11,673.48
Your down payment is the seller’s equity. You take over the $284,024 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $22,649.78 is due at closing. Uses and sources reconcile at $306,673.48 each. Not a Closing Disclosure.