Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$26,235Cash toward the purchase price.
Closing costs + prepaids$9,875Not just lender fees.
Before credits & paid funds$36,109The complete starting cash picture.
Estimated remaining funds due at closing
$36,109No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,234.64
Your down payment$26,234.64
Closing costs + prepaids$9,874.61
Total buyer cash needed$36,109.26
Remaining funds due$36,109.26
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)$915.00
Insurance escrow (3 months)$228.75
Property tax escrow (3 months)$404.50
Initial HOA (3 months)$426.00
Prepaid interest, first (21 days)$925.36
Fees + prepaids$9,874.61
Your down payment is the seller’s equity. You take over the $273,765 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $36,109.26 is due at closing. Uses and sources reconcile at $309,874.61 each. Not a Closing Disclosure.