Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$47,593Cash toward the purchase price.
Closing costs + prepaids$11,779Not just lender fees.
Before credits & paid funds$59,372The complete starting cash picture.
Estimated remaining funds due at closing
$59,372No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,592.60
Your down payment$47,592.60
Closing costs + prepaids$11,779.07
Total buyer cash needed$59,371.67
Remaining funds due$59,371.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,990.00
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)$747.50
Initial HOA (3 months)$1,176.00
Prepaid interest, first (31 days)$640.57
Fees + prepaids$11,779.07
Your down payment is the seller’s equity. You take over the $251,407 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $59,371.67 is due at closing. Uses and sources reconcile at $310,779.07 each. Not a Closing Disclosure.