Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$24,752Cash toward the purchase price.
Closing costs + prepaids$10,869Not just lender fees.
Before credits & paid funds$35,621The complete starting cash picture.
Estimated remaining funds due at closing
$35,621No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,751.56
Your down payment$24,751.56
Closing costs + prepaids$10,869.18
Total buyer cash needed$35,620.74
Remaining funds due$35,620.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,040.00
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)$263.00
Initial HOA (3 months)$75.00
Prepaid interest, first (25 days)$1,266.18
Fees + prepaids$10,869.18
Your down payment is the seller’s equity. You take over the $279,248 balance, so the rest of the $304,000 price is paid at closing. A second mortgage can cover part of it. $35,620.74 is due at closing. Uses and sources reconcile at $314,869.18 each. Not a Closing Disclosure.