Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$10,815Cash toward the purchase price.
Closing costs + prepaids$11,291Not just lender fees.
Before credits & paid funds$22,105The complete starting cash picture.
Estimated remaining funds due at closing
$22,105No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,814.77
Your down payment$10,814.77
Closing costs + prepaids$11,290.53
Total buyer cash needed$22,105.30
Remaining funds due$22,105.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,990.00
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)$319.00
Initial HOA (3 months)$591.00
Prepaid interest, first (22 days)$1,165.53
Fees + prepaids$11,290.53
Your down payment is the seller’s equity. You take over the $288,185 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $22,105.30 is due at closing. Uses and sources reconcile at $310,290.53 each. Not a Closing Disclosure.