Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$17,211Cash toward the purchase price.
Closing costs + prepaids$12,221Not just lender fees.
Before credits & paid funds$29,432The complete starting cash picture.
Estimated remaining funds due at closing
$29,432No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,211.17
Your down payment$17,211.17
Closing costs + prepaids$12,220.53
Total buyer cash needed$29,431.70
Remaining funds due$29,431.70
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)$1,575.00
Initial HOA (3 months)$48.75
Prepaid interest, first (25 days)$1,372.78
Fees + prepaids$12,220.53
Your down payment is the seller’s equity. You take over the $282,689 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $29,431.70 is due at closing. Uses and sources reconcile at $312,120.53 each. Not a Closing Disclosure.