Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$2,818Cash toward the purchase price.
Closing costs + prepaids$11,426Not just lender fees.
Before credits & paid funds$14,244The complete starting cash picture.
Estimated remaining funds due at closing
$14,244No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,817.75
Your down payment$2,817.75
Closing costs + prepaids$11,426.19
Total buyer cash needed$14,243.94
Remaining funds due$14,243.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.99
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)$511.50
Initial HOA (3 months)$273.00
Prepaid interest, first (25 days)$1,416.70
Fees + prepaids$11,426.19
Your down payment is the seller’s equity. You take over the $297,181 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $14,243.94 is due at closing. Uses and sources reconcile at $311,425.19 each. Not a Closing Disclosure.