Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$37,629Cash toward the purchase price.
Closing costs + prepaids$10,705Not just lender fees.
Before credits & paid funds$48,334The complete starting cash picture.
Estimated remaining funds due at closing
$48,334No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,628.93
Your down payment$37,628.93
Closing costs + prepaids$10,704.91
Total buyer cash needed$48,333.85
Remaining funds due$48,333.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,949.99
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)$311.75
Prepaid interest, first (28 days)$1,218.17
Fees + prepaids$10,704.91
Your down payment is the seller’s equity. You take over the $257,370 balance, so the rest of the $294,999 price is paid at closing. A second mortgage can cover part of it. $48,333.85 is due at closing. Uses and sources reconcile at $305,703.91 each. Not a Closing Disclosure.