Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$25,832Cash toward the purchase price.
Closing costs + prepaids$11,931Not just lender fees.
Before credits & paid funds$37,763The complete starting cash picture.
Estimated remaining funds due at closing
$37,763No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,831.61
Your down payment$25,831.61
Closing costs + prepaids$11,931.16
Total buyer cash needed$37,762.76
Remaining funds due$37,762.76
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)$1,046.75
Initial HOA (3 months)$285.00
Prepaid interest, first (26 days)$1,324.41
Fees + prepaids$11,931.16
Your down payment is the seller’s equity. You take over the $279,168 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $37,762.76 is due at closing. Uses and sources reconcile at $316,931.16 each. Not a Closing Disclosure.