Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$19,459Cash toward the purchase price.
Closing costs + prepaids$11,043Not just lender fees.
Before credits & paid funds$30,502The complete starting cash picture.
Estimated remaining funds due at closing
$30,502No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,459.14
Your down payment$19,459.14
Closing costs + prepaids$11,043.34
Total buyer cash needed$30,502.48
Remaining funds due$30,502.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,050.00
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)$192.00
Prepaid interest, first (31 days)$1,576.34
Fees + prepaids$11,043.34
Your down payment is the seller’s equity. You take over the $285,541 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $30,502.48 is due at closing. Uses and sources reconcile at $316,043.34 each. Not a Closing Disclosure.