Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$6,423Cash toward the purchase price.
Closing costs + prepaids$11,939Not just lender fees.
Before credits & paid funds$18,363The complete starting cash picture.
Estimated remaining funds due at closing
$18,363No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,423.50
Your down payment$6,423.50
Closing costs + prepaids$11,939.28
Total buyer cash needed$18,362.77
Remaining funds due$18,362.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,950.00
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)$1,177.50
Prepaid interest, first (30 days)$1,586.78
Fees + prepaids$11,939.28
Your down payment is the seller’s equity. You take over the $288,577 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $18,362.77 is due at closing. Uses and sources reconcile at $306,939.28 each. Not a Closing Disclosure.