Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$21,467Cash toward the purchase price.
Closing costs + prepaids$11,053Not just lender fees.
Before credits & paid funds$32,520The complete starting cash picture.
Estimated remaining funds due at closing
$32,520No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,467.36
Your down payment$21,467.36
Closing costs + prepaids$11,052.65
Total buyer cash needed$32,520.01
Remaining funds due$32,520.01
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)$564.50
Prepaid interest, first (28 days)$1,273.15
Fees + prepaids$11,052.65
Your down payment is the seller’s equity. You take over the $277,533 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $32,520.01 is due at closing. Uses and sources reconcile at $310,052.65 each. Not a Closing Disclosure.