Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$24,115Cash toward the purchase price.
Closing costs + prepaids$10,672Not just lender fees.
Before credits & paid funds$34,786The complete starting cash picture.
Estimated remaining funds due at closing
$34,786No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,114.69
Your down payment$24,114.69
Closing costs + prepaids$10,671.61
Total buyer cash needed$34,786.31
Remaining funds due$34,786.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,990.00
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)$310.00
Prepaid interest, first (29 days)$1,146.61
Fees + prepaids$10,671.61
Your down payment is the seller’s equity. You take over the $274,885 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $34,786.31 is due at closing. Uses and sources reconcile at $309,671.61 each. Not a Closing Disclosure.