Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$31,613Cash toward the purchase price.
Closing costs + prepaids$11,166Not just lender fees.
Before credits & paid funds$42,779The complete starting cash picture.
Estimated remaining funds due at closing
$42,779No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,613.13
Your down payment$31,613.13
Closing costs + prepaids$11,166.18
Total buyer cash needed$42,779.31
Remaining funds due$42,779.31
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)$750.00
Prepaid interest, first (27 days)$1,191.19
Fees + prepaids$11,166.18
Your down payment is the seller’s equity. You take over the $268,386 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $42,779.31 is due at closing. Uses and sources reconcile at $311,165.18 each. Not a Closing Disclosure.