Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$27,233Cash toward the purchase price.
Closing costs + prepaids$11,066Not just lender fees.
Before credits & paid funds$38,300The complete starting cash picture.
Estimated remaining funds due at closing
$38,300No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,233.43
Your down payment$27,233.43
Closing costs + prepaids$11,066.35
Total buyer cash needed$38,299.78
Remaining funds due$38,299.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,000.00
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)$1,417.00
Initial HOA (3 months)$342.00
Prepaid interest, first (2 days)$82.35
Fees + prepaids$11,066.35
Your down payment is the seller’s equity. You take over the $272,767 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $38,299.78 is due at closing. Uses and sources reconcile at $311,066.35 each. Not a Closing Disclosure.