Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$33,576Cash toward the purchase price.
Closing costs + prepaids$10,873Not just lender fees.
Before credits & paid funds$44,449The complete starting cash picture.
Estimated remaining funds due at closing
$44,449No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,575.56
Your down payment$33,575.56
Closing costs + prepaids$10,873.00
Total buyer cash needed$44,448.57
Remaining funds due$44,448.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,950.00
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)$514.50
Prepaid interest, first (27 days)$1,183.50
Fees + prepaids$10,873.00
Your down payment is the seller’s equity. You take over the $261,424 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $44,448.57 is due at closing. Uses and sources reconcile at $305,873.00 each. Not a Closing Disclosure.