Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$15,558Cash toward the purchase price.
Closing costs + prepaids$9,630Not just lender fees.
Before credits & paid funds$25,188The complete starting cash picture.
Estimated remaining funds due at closing
$25,188No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,558.35
Your down payment$15,558.35
Closing costs + prepaids$9,629.82
Total buyer cash needed$25,188.17
Remaining funds due$25,188.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,000.00
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)$320.50
Prepaid interest, first (2 days)$84.32
Fees + prepaids$9,629.82
Your down payment is the seller’s equity. You take over the $284,442 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $25,188.17 is due at closing. Uses and sources reconcile at $309,629.82 each. Not a Closing Disclosure.