Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$19,513Cash toward the purchase price.
Closing costs + prepaids$12,259Not just lender fees.
Before credits & paid funds$31,772The complete starting cash picture.
Estimated remaining funds due at closing
$31,772No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,512.55
Your down payment$19,512.55
Closing costs + prepaids$12,259.17
Total buyer cash needed$31,771.72
Remaining funds due$31,771.72
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)$1,281.75
Initial HOA (3 months)$540.00
Prepaid interest, first (22 days)$1,213.42
Fees + prepaids$12,259.17
Your down payment is the seller’s equity. You take over the $280,387 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $31,771.72 is due at closing. Uses and sources reconcile at $312,159.17 each. Not a Closing Disclosure.