Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$10,321Cash toward the purchase price.
Closing costs + prepaids$11,325Not just lender fees.
Before credits & paid funds$21,646The complete starting cash picture.
Estimated remaining funds due at closing
$21,646No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,320.56
Your down payment$10,320.56
Closing costs + prepaids$11,325.15
Total buyer cash needed$21,645.71
Remaining funds due$21,645.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,099.00
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)$962.25
Initial HOA (3 months)$450.00
Prepaid interest, first (25 days)$588.90
Fees + prepaids$11,325.15
Your down payment is the seller’s equity. You take over the $299,579 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $21,645.71 is due at closing. Uses and sources reconcile at $321,225.15 each. Not a Closing Disclosure.