Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$6,511Cash toward the purchase price.
Closing costs + prepaids$10,938Not just lender fees.
Before credits & paid funds$17,449The complete starting cash picture.
Estimated remaining funds due at closing
$17,449No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,510.64
Your down payment$6,510.64
Closing costs + prepaids$10,938.17
Total buyer cash needed$17,448.81
Remaining funds due$17,448.81
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)$80.75
Initial HOA (3 months)$174.99
Prepaid interest, first (28 days)$1,458.43
Fees + prepaids$10,938.17
Your down payment is the seller’s equity. You take over the $293,389 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $17,448.81 is due at closing. Uses and sources reconcile at $310,838.17 each. Not a Closing Disclosure.