Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$35,037Cash toward the purchase price.
Closing costs + prepaids$11,084Not just lender fees.
Before credits & paid funds$46,121The complete starting cash picture.
Estimated remaining funds due at closing
$46,121No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,037.40
Your down payment$35,037.40
Closing costs + prepaids$11,083.76
Total buyer cash needed$46,121.16
Remaining funds due$46,121.16
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)$739.50
Prepaid interest, first (31 days)$1,120.26
Fees + prepaids$11,083.76
Your down payment is the seller’s equity. You take over the $264,863 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $46,121.16 is due at closing. Uses and sources reconcile at $310,983.76 each. Not a Closing Disclosure.