Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$36,972Cash toward the purchase price.
Closing costs + prepaids$11,429Not just lender fees.
Before credits & paid funds$48,401The complete starting cash picture.
Estimated remaining funds due at closing
$48,401No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,972.06
Your down payment$36,972.06
Closing costs + prepaids$11,429.25
Total buyer cash needed$48,401.31
Remaining funds due$48,401.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,949.00
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)$784.00
Prepaid interest, first (30 days)$1,471.25
Fees + prepaids$11,429.25
Your down payment is the seller’s equity. You take over the $257,928 balance, so the rest of the $294,900 price is paid at closing. A second mortgage can cover part of it. $48,401.31 is due at closing. Uses and sources reconcile at $306,329.25 each. Not a Closing Disclosure.