Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$40,787Cash toward the purchase price.
Closing costs + prepaids$11,883Not just lender fees.
Before credits & paid funds$52,670The complete starting cash picture.
Estimated remaining funds due at closing
$52,670No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,787.12
Your down payment$40,787.12
Closing costs + prepaids$11,882.55
Total buyer cash needed$52,669.67
Remaining funds due$52,669.67
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)$932.75
Initial HOA (3 months)$330.00
Prepaid interest, first (29 days)$1,395.80
Fees + prepaids$11,882.55
Your down payment is the seller’s equity. You take over the $259,113 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $52,669.67 is due at closing. Uses and sources reconcile at $311,782.55 each. Not a Closing Disclosure.