Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$4,186Cash toward the purchase price.
Closing costs + prepaids$11,860Not just lender fees.
Before credits & paid funds$16,046The complete starting cash picture.
Estimated remaining funds due at closing
$16,046No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,185.96
Your down payment$4,185.96
Closing costs + prepaids$11,860.09
Total buyer cash needed$16,046.05
Remaining funds due$16,046.05
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)$925.25
Initial HOA (3 months)$300.00
Prepaid interest, first (22 days)$1,359.84
Fees + prepaids$11,860.09
Your down payment is the seller’s equity. You take over the $300,814 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $16,046.05 is due at closing. Uses and sources reconcile at $316,860.09 each. Not a Closing Disclosure.