Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$21,985Cash toward the purchase price.
Closing costs + prepaids$11,156Not just lender fees.
Before credits & paid funds$33,141The complete starting cash picture.
Estimated remaining funds due at closing
$33,141No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,985.44
Your down payment$21,985.44
Closing costs + prepaids$11,155.53
Total buyer cash needed$33,140.97
Remaining funds due$33,140.97
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)$119.75
Initial HOA (3 months)$525.00
Prepaid interest, first (25 days)$1,286.78
Fees + prepaids$11,155.53
Your down payment is the seller’s equity. You take over the $277,915 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $33,140.97 is due at closing. Uses and sources reconcile at $311,055.53 each. Not a Closing Disclosure.