Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$25,228Cash toward the purchase price.
Closing costs + prepaids$11,165Not just lender fees.
Before credits & paid funds$36,394The complete starting cash picture.
Estimated remaining funds due at closing
$36,394No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,228.20
Your down payment$25,228.20
Closing costs + prepaids$11,165.37
Total buyer cash needed$36,393.57
Remaining funds due$36,393.57
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)$183.25
Initial HOA (3 months)$282.00
Prepaid interest, first (30 days)$1,485.12
Fees + prepaids$11,165.37
Your down payment is the seller’s equity. You take over the $273,772 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $36,393.57 is due at closing. Uses and sources reconcile at $310,165.37 each. Not a Closing Disclosure.