Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$15,158Cash toward the purchase price.
Closing costs + prepaids$12,382Not just lender fees.
Before credits & paid funds$27,540The complete starting cash picture.
Estimated remaining funds due at closing
$27,540No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,158.21
Your down payment$15,158.21
Closing costs + prepaids$12,381.59
Total buyer cash needed$27,539.80
Remaining funds due$27,539.80
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)$1,943.00
Initial HOA (3 months)$24.99
Prepaid interest, first (23 days)$1,189.60
Fees + prepaids$12,381.59
Your down payment is the seller’s equity. You take over the $284,742 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $27,539.80 is due at closing. Uses and sources reconcile at $312,281.59 each. Not a Closing Disclosure.