Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$13,652Cash toward the purchase price.
Closing costs + prepaids$11,857Not just lender fees.
Before credits & paid funds$25,509The complete starting cash picture.
Estimated remaining funds due at closing
$25,509No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,651.53
Your down payment$13,651.53
Closing costs + prepaids$11,857.43
Total buyer cash needed$25,508.97
Remaining funds due$25,508.97
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)$812.50
Prepaid interest, first (31 days)$1,820.93
Fees + prepaids$11,857.43
Your down payment is the seller’s equity. You take over the $286,248 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $25,508.97 is due at closing. Uses and sources reconcile at $311,757.43 each. Not a Closing Disclosure.