Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$7,478Cash toward the purchase price.
Closing costs + prepaids$11,019Not just lender fees.
Before credits & paid funds$18,497The complete starting cash picture.
Estimated remaining funds due at closing
$18,497No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,478.21
Your down payment$7,478.21
Closing costs + prepaids$11,019.26
Total buyer cash needed$18,497.47
Remaining funds due$18,497.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,050.00
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)$394.50
Initial HOA (3 months)$285.00
Prepaid interest, first (19 days)$1,064.76
Fees + prepaids$11,019.26
Your down payment is the seller’s equity. You take over the $297,522 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $18,497.47 is due at closing. Uses and sources reconcile at $316,019.26 each. Not a Closing Disclosure.