Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$19,816Cash toward the purchase price.
Closing costs + prepaids$10,720Not just lender fees.
Before credits & paid funds$30,536The complete starting cash picture.
Estimated remaining funds due at closing
$30,536No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,816.20
Your down payment$19,816.20
Closing costs + prepaids$10,719.61
Total buyer cash needed$30,535.82
Remaining funds due$30,535.82
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)$184.75
Prepaid interest, first (27 days)$1,309.87
Fees + prepaids$10,719.61
Your down payment is the seller’s equity. You take over the $280,183 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $30,535.82 is due at closing. Uses and sources reconcile at $310,718.61 each. Not a Closing Disclosure.