Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$17,326Cash toward the purchase price.
Closing costs + prepaids$11,534Not just lender fees.
Before credits & paid funds$28,860The complete starting cash picture.
Estimated remaining funds due at closing
$28,860No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,326.05
Your down payment$17,326.05
Closing costs + prepaids$11,533.87
Total buyer cash needed$28,859.92
Remaining funds due$28,859.92
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)$1,383.25
Prepaid interest, first (24 days)$925.62
Fees + prepaids$11,533.87
Your down payment is the seller’s equity. You take over the $282,674 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $28,859.92 is due at closing. Uses and sources reconcile at $311,533.87 each. Not a Closing Disclosure.