Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$18,259Cash toward the purchase price.
Closing costs + prepaids$10,834Not just lender fees.
Before credits & paid funds$29,093The complete starting cash picture.
Estimated remaining funds due at closing
$29,093No 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$10,834.24
Total buyer cash needed$29,092.81
Remaining funds due$29,092.81
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)$380.75
Initial HOA (3 months)$252.00
Prepaid interest, first (20 days)$1,036.49
Fees + prepaids$10,834.24
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. $29,092.81 is due at closing. Uses and sources reconcile at $304,834.24 each. Not a Closing Disclosure.