Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$18,259Cash toward the purchase price.
Closing costs + prepaids$10,236Not just lender fees.
Before credits & paid funds$28,495The complete starting cash picture.
Estimated remaining funds due at closing
$28,495No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,258.57
Your down payment$18,258.57
Closing costs + prepaids$10,236.17
Total buyer cash needed$28,494.74
Remaining funds due$28,494.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,940.00
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)$352.75
Initial HOA (3 months)$252.00
Prepaid interest, first (9 days)$466.42
Fees + prepaids$10,236.17
Your down payment is the seller’s equity. You take over the $275,741 balance, so the rest of the $294,000 price is paid at closing. A second mortgage can cover part of it. $28,494.74 is due at closing. Uses and sources reconcile at $304,236.17 each. Not a Closing Disclosure.