Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$9,050Cash toward the purchase price.
Closing costs + prepaids$11,544Not just lender fees.
Before credits & paid funds$20,594The complete starting cash picture.
Estimated remaining funds due at closing
$20,594No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,049.58
Your down payment$9,049.58
Closing costs + prepaids$11,543.94
Total buyer cash needed$20,593.53
Remaining funds due$20,593.53
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)$876.50
Initial HOA (3 months)$210.00
Prepaid interest, first (23 days)$1,233.44
Fees + prepaids$11,543.94
Your down payment is the seller’s equity. You take over the $290,850 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $20,593.53 is due at closing. Uses and sources reconcile at $311,443.94 each. Not a Closing Disclosure.