Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$11,973Cash toward the purchase price.
Closing costs + prepaids$10,974Not just lender fees.
Before credits & paid funds$22,947The complete starting cash picture.
Estimated remaining funds due at closing
$22,947No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,973.36
Your down payment$11,973.36
Closing costs + prepaids$10,973.92
Total buyer cash needed$22,947.28
Remaining funds due$22,947.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,049.00
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)$388.25
Prepaid interest, first (24 days)$1,311.67
Fees + prepaids$10,973.92
Your down payment is the seller’s equity. You take over the $292,927 balance, so the rest of the $304,900 price is paid at closing. A second mortgage can cover part of it. $22,947.28 is due at closing. Uses and sources reconcile at $315,873.92 each. Not a Closing Disclosure.