Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$18,438Cash toward the purchase price.
Closing costs + prepaids$11,549Not just lender fees.
Before credits & paid funds$29,987The complete starting cash picture.
Estimated remaining funds due at closing
$29,987No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,437.80
Your down payment$18,437.80
Closing costs + prepaids$11,549.49
Total buyer cash needed$29,987.28
Remaining funds due$29,987.28
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)$772.50
Initial HOA (3 months)$173.01
Prepaid interest, first (26 days)$1,388.98
Fees + prepaids$11,549.49
Your down payment is the seller’s equity. You take over the $280,562 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $29,987.28 is due at closing. Uses and sources reconcile at $310,549.49 each. Not a Closing Disclosure.