Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$44,161Cash toward the purchase price.
Closing costs + prepaids$11,690Not just lender fees.
Before credits & paid funds$55,851The complete starting cash picture.
Estimated remaining funds due at closing
$55,851No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,160.86
Your down payment$44,160.86
Closing costs + prepaids$11,689.77
Total buyer cash needed$55,850.63
Remaining funds due$55,850.63
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)$818.25
Initial HOA (3 months)$771.00
Prepaid interest, first (30 days)$876.52
Fees + prepaids$11,689.77
Your down payment is the seller’s equity. You take over the $255,739 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $55,850.63 is due at closing. Uses and sources reconcile at $311,589.77 each. Not a Closing Disclosure.