Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$24,277Cash toward the purchase price.
Closing costs + prepaids$10,514Not just lender fees.
Before credits & paid funds$34,791The complete starting cash picture.
Estimated remaining funds due at closing
$34,791No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,276.65
Your down payment$24,276.65
Closing costs + prepaids$10,513.95
Total buyer cash needed$34,790.61
Remaining funds due$34,790.61
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)$272.75
Prepaid interest, first (25 days)$1,066.20
Fees + prepaids$10,513.95
Your down payment is the seller’s equity. You take over the $270,723 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $34,790.61 is due at closing. Uses and sources reconcile at $305,513.95 each. Not a Closing Disclosure.