Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$25,239Cash toward the purchase price.
Closing costs + prepaids$12,345Not just lender fees.
Before credits & paid funds$37,584The complete starting cash picture.
Estimated remaining funds due at closing
$37,584No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,239.15
Your down payment$25,239.15
Closing costs + prepaids$12,345.25
Total buyer cash needed$37,584.40
Remaining funds due$37,584.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,970.00
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)$1,749.75
Prepaid interest, first (30 days)$1,400.50
Fees + prepaids$12,345.25
Your down payment is the seller’s equity. You take over the $271,761 balance, so the rest of the $297,000 price is paid at closing. A second mortgage can cover part of it. $37,584.40 is due at closing. Uses and sources reconcile at $309,345.25 each. Not a Closing Disclosure.