Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$18,007Cash toward the purchase price.
Closing costs + prepaids$11,919Not just lender fees.
Before credits & paid funds$29,926The complete starting cash picture.
Estimated remaining funds due at closing
$29,926No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,007.23
Your down payment$18,007.23
Closing costs + prepaids$11,918.52
Total buyer cash needed$29,925.75
Remaining funds due$29,925.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,958.00
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)$1,267.25
Prepaid interest, first (28 days)$1,468.27
Fees + prepaids$11,918.52
Your down payment is the seller’s equity. You take over the $277,793 balance, so the rest of the $295,800 price is paid at closing. A second mortgage can cover part of it. $29,925.75 is due at closing. Uses and sources reconcile at $307,718.52 each. Not a Closing Disclosure.