Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$33,952Cash toward the purchase price.
Closing costs + prepaids$11,574Not just lender fees.
Before credits & paid funds$45,526The complete starting cash picture.
Estimated remaining funds due at closing
$45,526No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,952.05
Your down payment$33,952.05
Closing costs + prepaids$11,573.59
Total buyer cash needed$45,525.64
Remaining funds due$45,525.64
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)$1,116.75
Prepaid interest, first (25 days)$1,231.84
Fees + prepaids$11,573.59
Your down payment is the seller’s equity. You take over the $266,048 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $45,525.64 is due at closing. Uses and sources reconcile at $311,573.59 each. Not a Closing Disclosure.