Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$22,153Cash toward the purchase price.
Closing costs + prepaids$10,128Not just lender fees.
Before credits & paid funds$32,281The complete starting cash picture.
Estimated remaining funds due at closing
$32,281No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,153.50
Your down payment$22,153.50
Closing costs + prepaids$10,127.71
Total buyer cash needed$32,281.20
Remaining funds due$32,281.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,020.00
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)$770.00
Prepaid interest, first (5 days)$112.71
Fees + prepaids$10,127.71
Your down payment is the seller’s equity. You take over the $279,847 balance, so the rest of the $302,000 price is paid at closing. A second mortgage can cover part of it. $32,281.20 is due at closing. Uses and sources reconcile at $312,127.71 each. Not a Closing Disclosure.