Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$3,137Cash toward the purchase price.
Closing costs + prepaids$11,579Not just lender fees.
Before credits & paid funds$14,716The complete starting cash picture.
Estimated remaining funds due at closing
$14,716No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,136.74
Your down payment$3,136.74
Closing costs + prepaids$11,578.97
Total buyer cash needed$14,715.71
Remaining funds due$14,715.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,000.00
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)$1,319.75
Prepaid interest, first (22 days)$1,034.22
Fees + prepaids$11,578.97
Your down payment is the seller’s equity. You take over the $296,863 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $14,715.71 is due at closing. Uses and sources reconcile at $311,578.97 each. Not a Closing Disclosure.