Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$286,675Cash toward the purchase price.
Closing costs + prepaids$9,522Not just lender fees.
Before credits & paid funds$296,198The complete starting cash picture.
Estimated remaining funds due at closing
$296,198No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$286,675.47
Your down payment$286,675.47
Closing costs + prepaids$9,522.32
Total buyer cash needed$296,197.80
Remaining funds due$296,197.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,950.00
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)$110.50
Initial HOA (3 months)$210.00
Prepaid interest, first (21 days)$26.82
Fees + prepaids$9,522.32
Your down payment is the seller’s equity. You take over the $8,325 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $296,197.80 is due at closing. Uses and sources reconcile at $304,522.32 each. Not a Closing Disclosure.