Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$27,549Cash toward the purchase price.
Closing costs + prepaids$12,803Not just lender fees.
Before credits & paid funds$40,353The complete starting cash picture.
Estimated remaining funds due at closing
$40,353No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,549.05
Your down payment$27,549.05
Closing costs + prepaids$12,803.45
Total buyer cash needed$40,352.50
Remaining funds due$40,352.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,030.00
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)$1,892.00
Initial HOA (3 months)$87.51
Prepaid interest, first (30 days)$1,568.94
Fees + prepaids$12,803.45
Your down payment is the seller’s equity. You take over the $275,451 balance, so the rest of the $303,000 price is paid at closing. A second mortgage can cover part of it. $40,352.50 is due at closing. Uses and sources reconcile at $315,803.45 each. Not a Closing Disclosure.