Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$30,501Cash toward the purchase price.
Closing costs + prepaids$11,047Not just lender fees.
Before credits & paid funds$41,548The complete starting cash picture.
Estimated remaining funds due at closing
$41,548No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,500.96
Your down payment$30,500.96
Closing costs + prepaids$11,046.87
Total buyer cash needed$41,547.83
Remaining funds due$41,547.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,850.00
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)$802.50
Prepaid interest, first (31 days)$1,169.37
Fees + prepaids$11,046.87
Your down payment is the seller’s equity. You take over the $254,499 balance, so the rest of the $285,000 price is paid at closing. A second mortgage can cover part of it. $41,547.83 is due at closing. Uses and sources reconcile at $296,046.87 each. Not a Closing Disclosure.