Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$25,988Cash toward the purchase price.
Closing costs + prepaids$11,474Not just lender fees.
Before credits & paid funds$37,463The complete starting cash picture.
Estimated remaining funds due at closing
$37,463No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,988.48
Your down payment$25,988.48
Closing costs + prepaids$11,474.43
Total buyer cash needed$37,462.91
Remaining funds due$37,462.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,998.00
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)$914.25
Initial HOA (3 months)$1,299.00
Prepaid interest, first (1 days)$38.18
Fees + prepaids$11,474.43
Your down payment is the seller’s equity. You take over the $273,812 balance, so the rest of the $299,800 price is paid at closing. A second mortgage can cover part of it. $37,462.91 is due at closing. Uses and sources reconcile at $311,274.43 each. Not a Closing Disclosure.