Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$44,562Cash toward the purchase price.
Closing costs + prepaids$11,686Not just lender fees.
Before credits & paid funds$56,248The complete starting cash picture.
Estimated remaining funds due at closing
$56,248No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,561.91
Your down payment$44,561.91
Closing costs + prepaids$11,685.63
Total buyer cash needed$56,247.54
Remaining funds due$56,247.54
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)$359.25
Initial HOA (3 months)$660.00
Prepaid interest, first (30 days)$1,391.38
Fees + prepaids$11,685.63
Your down payment is the seller’s equity. You take over the $260,438 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $56,247.54 is due at closing. Uses and sources reconcile at $316,685.63 each. Not a Closing Disclosure.