Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$33,131Cash toward the purchase price.
Closing costs + prepaids$11,188Not just lender fees.
Before credits & paid funds$44,319The complete starting cash picture.
Estimated remaining funds due at closing
$44,319No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,131.28
Your down payment$33,131.28
Closing costs + prepaids$11,187.86
Total buyer cash needed$44,319.14
Remaining funds due$44,319.14
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)$648.00
Prepaid interest, first (28 days)$1,315.86
Fees + prepaids$11,187.86
Your down payment is the seller’s equity. You take over the $266,769 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $44,319.14 is due at closing. Uses and sources reconcile at $311,087.86 each. Not a Closing Disclosure.