Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$30,142Cash toward the purchase price.
Closing costs + prepaids$9,717Not just lender fees.
Before credits & paid funds$39,859The complete starting cash picture.
Estimated remaining funds due at closing
$39,859No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,142.26
Your down payment$30,142.26
Closing costs + prepaids$9,716.51
Total buyer cash needed$39,858.77
Remaining funds due$39,858.77
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)$165.75
Initial HOA (3 months)$240.00
Prepaid interest, first (2 days)$95.76
Fees + prepaids$9,716.51
Your down payment is the seller’s equity. You take over the $268,858 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $39,858.77 is due at closing. Uses and sources reconcile at $308,716.51 each. Not a Closing Disclosure.