Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$27,033Cash toward the purchase price.
Closing costs + prepaids$11,566Not just lender fees.
Before credits & paid funds$38,598The complete starting cash picture.
Estimated remaining funds due at closing
$38,598No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,032.59
Your down payment$27,032.59
Closing costs + prepaids$11,565.66
Total buyer cash needed$38,598.25
Remaining funds due$38,598.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,040.00
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)$1,060.00
Prepaid interest, first (25 days)$1,240.66
Fees + prepaids$11,565.66
Your down payment is the seller’s equity. You take over the $276,967 balance, so the rest of the $304,000 price is paid at closing. A second mortgage can cover part of it. $38,598.25 is due at closing. Uses and sources reconcile at $315,565.66 each. Not a Closing Disclosure.