Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$38,772Cash toward the purchase price.
Closing costs + prepaids$12,441Not just lender fees.
Before credits & paid funds$51,214The complete starting cash picture.
Estimated remaining funds due at closing
$51,214No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,772.13
Your down payment$38,772.13
Closing costs + prepaids$12,441.43
Total buyer cash needed$51,213.56
Remaining funds due$51,213.56
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)$2,210.00
Initial HOA (3 months)$468.00
Prepaid interest, first (26 days)$539.43
Fees + prepaids$12,441.43
Your down payment is the seller’s equity. You take over the $261,128 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $51,213.56 is due at closing. Uses and sources reconcile at $312,341.43 each. Not a Closing Disclosure.