Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$19,586Cash toward the purchase price.
Closing costs + prepaids$10,639Not just lender fees.
Before credits & paid funds$30,225The complete starting cash picture.
Estimated remaining funds due at closing
$30,225No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,586.29
Your down payment$19,586.29
Closing costs + prepaids$10,638.95
Total buyer cash needed$30,225.23
Remaining funds due$30,225.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,020.00
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)$244.25
Initial HOA (3 months)$198.00
Prepaid interest, first (20 days)$951.70
Fees + prepaids$10,638.95
Your down payment is the seller’s equity. You take over the $282,414 balance, so the rest of the $302,000 price is paid at closing. A second mortgage can cover part of it. $30,225.23 is due at closing. Uses and sources reconcile at $312,638.95 each. Not a Closing Disclosure.