Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$19,513Cash toward the purchase price.
Closing costs + prepaids$12,700Not just lender fees.
Before credits & paid funds$32,213The complete starting cash picture.
Estimated remaining funds due at closing
$32,213No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,512.55
Your down payment$19,512.55
Closing costs + prepaids$12,700.42
Total buyer cash needed$32,212.97
Remaining funds due$32,212.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.00
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)$1,281.75
Initial HOA (3 months)$540.00
Prepaid interest, first (30 days)$1,654.67
Fees + prepaids$12,700.42
Your down payment is the seller’s equity. You take over the $280,387 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $32,212.97 is due at closing. Uses and sources reconcile at $312,600.42 each. Not a Closing Disclosure.