Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$12,807Cash toward the purchase price.
Closing costs + prepaids$12,777Not just lender fees.
Before credits & paid funds$25,583The complete starting cash picture.
Estimated remaining funds due at closing
$25,583No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,806.91
Your down payment$12,806.91
Closing costs + prepaids$12,776.54
Total buyer cash needed$25,583.45
Remaining funds due$25,583.45
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)$1,897.50
Initial HOA (3 months)$246.00
Prepaid interest, first (26 days)$1,409.04
Fees + prepaids$12,776.54
Your down payment is the seller’s equity. You take over the $287,093 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $25,583.45 is due at closing. Uses and sources reconcile at $312,676.54 each. Not a Closing Disclosure.