Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$15,509Cash toward the purchase price.
Closing costs + prepaids$10,325Not just lender fees.
Before credits & paid funds$25,834The complete starting cash picture.
Estimated remaining funds due at closing
$25,834No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,509.45
Your down payment$15,509.45
Closing costs + prepaids$10,324.98
Total buyer cash needed$25,834.43
Remaining funds due$25,834.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,148.90
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)$377.75
Prepaid interest, first (10 days)$573.33
Fees + prepaids$10,324.98
Your down payment is the seller’s equity. You take over the $299,381 balance, so the rest of the $314,890 price is paid at closing. A second mortgage can cover part of it. $25,834.43 is due at closing. Uses and sources reconcile at $325,214.98 each. Not a Closing Disclosure.