Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$13,976Cash toward the purchase price.
Closing costs + prepaids$10,594Not just lender fees.
Before credits & paid funds$24,570The complete starting cash picture.
Estimated remaining funds due at closing
$24,570No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,976.26
Your down payment$13,976.26
Closing costs + prepaids$10,593.81
Total buyer cash needed$24,570.07
Remaining funds due$24,570.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,000.00
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)$374.25
Initial HOA (3 months)$294.00
Prepaid interest, first (30 days)$700.56
Fees + prepaids$10,593.81
Your down payment is the seller’s equity. You take over the $286,024 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $24,570.07 is due at closing. Uses and sources reconcile at $310,593.81 each. Not a Closing Disclosure.