Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$25,072Cash toward the purchase price.
Closing costs + prepaids$11,743Not just lender fees.
Before credits & paid funds$36,815The complete starting cash picture.
Estimated remaining funds due at closing
$36,815No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,071.79
Your down payment$25,071.79
Closing costs + prepaids$11,742.80
Total buyer cash needed$36,814.59
Remaining funds due$36,814.59
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)$754.25
Initial HOA (3 months)$468.00
Prepaid interest, first (25 days)$1,295.55
Fees + prepaids$11,742.80
Your down payment is the seller’s equity. You take over the $274,928 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $36,814.59 is due at closing. Uses and sources reconcile at $311,742.80 each. Not a Closing Disclosure.