Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$9,359Cash toward the purchase price.
Closing costs + prepaids$10,207Not just lender fees.
Before credits & paid funds$19,567The complete starting cash picture.
Estimated remaining funds due at closing
$19,567No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,359.44
Your down payment$9,359.44
Closing costs + prepaids$10,207.24
Total buyer cash needed$19,566.68
Remaining funds due$19,566.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,949.00
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)$752.00
Prepaid interest, first (5 days)$281.24
Fees + prepaids$10,207.24
Your down payment is the seller’s equity. You take over the $285,541 balance, so the rest of the $294,900 price is paid at closing. A second mortgage can cover part of it. $19,566.68 is due at closing. Uses and sources reconcile at $305,107.24 each. Not a Closing Disclosure.