Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$284,574Cash toward the purchase price.
Closing costs + prepaids$10,579Not just lender fees.
Before credits & paid funds$295,154The complete starting cash picture.
Estimated remaining funds due at closing
$295,154No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$284,574.36
Your down payment$284,574.36
Closing costs + prepaids$10,579.38
Total buyer cash needed$295,153.74
Remaining funds due$295,153.74
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)$543.00
Initial HOA (3 months)$816.00
Prepaid interest, first (2 days)$5.38
Fees + prepaids$10,579.38
Your down payment is the seller’s equity. You take over the $14,426 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $295,153.74 is due at closing. Uses and sources reconcile at $309,579.38 each. Not a Closing Disclosure.