Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$19,450Cash toward the purchase price.
Closing costs + prepaids$11,494Not just lender fees.
Before credits & paid funds$30,945The complete starting cash picture.
Estimated remaining funds due at closing
$30,945No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,450.37
Your down payment$19,450.37
Closing costs + prepaids$11,494.41
Total buyer cash needed$30,944.79
Remaining funds due$30,944.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,949.00
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)$803.25
Prepaid interest, first (28 days)$1,517.16
Fees + prepaids$11,494.41
Your down payment is the seller’s equity. You take over the $275,450 balance, so the rest of the $294,900 price is paid at closing. A second mortgage can cover part of it. $30,944.79 is due at closing. Uses and sources reconcile at $306,394.41 each. Not a Closing Disclosure.