Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$12,865Cash toward the purchase price.
Closing costs + prepaids$12,190Not just lender fees.
Before credits & paid funds$25,055The complete starting cash picture.
Estimated remaining funds due at closing
$25,055No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,865.17
Your down payment$12,865.17
Closing costs + prepaids$12,189.92
Total buyer cash needed$25,055.09
Remaining funds due$25,055.09
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)$1,032.25
Initial HOA (3 months)$393.00
Prepaid interest, first (28 days)$1,539.67
Fees + prepaids$12,189.92
Your down payment is the seller’s equity. You take over the $287,135 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $25,055.09 is due at closing. Uses and sources reconcile at $312,189.92 each. Not a Closing Disclosure.