Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$243,913Cash toward the purchase price.
Closing costs + prepaids$10,960Not just lender fees.
Before credits & paid funds$254,873The complete starting cash picture.
Estimated remaining funds due at closing
$254,873No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,913.31
Your down payment$243,913.31
Closing costs + prepaids$10,959.86
Total buyer cash needed$254,873.17
Remaining funds due$254,873.17
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)$397.75
Initial HOA (3 months)$1,083.00
Prepaid interest, first (28 days)$264.11
Fees + prepaids$10,959.86
Your down payment is the seller’s equity. You take over the $55,087 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $254,873.17 is due at closing. Uses and sources reconcile at $309,959.86 each. Not a Closing Disclosure.