Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$26,561Cash toward the purchase price.
Closing costs + prepaids$10,240Not just lender fees.
Before credits & paid funds$36,801The complete starting cash picture.
Estimated remaining funds due at closing
$36,801No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,560.52
Your down payment$26,560.52
Closing costs + prepaids$10,240.20
Total buyer cash needed$36,800.72
Remaining funds due$36,800.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,049.99
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)$366.00
Initial HOA (3 months)$201.00
Prepaid interest, first (10 days)$398.21
Fees + prepaids$10,240.20
Your down payment is the seller’s equity. You take over the $278,438 balance, so the rest of the $304,999 price is paid at closing. A second mortgage can cover part of it. $36,800.72 is due at closing. Uses and sources reconcile at $315,239.20 each. Not a Closing Disclosure.