Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$30,340Cash toward the purchase price.
Closing costs + prepaids$11,765Not just lender fees.
Before credits & paid funds$42,105The complete starting cash picture.
Estimated remaining funds due at closing
$42,105No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,339.82
Your down payment$30,339.82
Closing costs + prepaids$11,765.39
Total buyer cash needed$42,105.21
Remaining funds due$42,105.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,050.00
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)$1,326.25
Initial HOA (3 months)$53.01
Prepaid interest, first (23 days)$1,111.13
Fees + prepaids$11,765.39
Your down payment is the seller’s equity. You take over the $274,660 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $42,105.21 is due at closing. Uses and sources reconcile at $316,765.39 each. Not a Closing Disclosure.