Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$19,709Cash toward the purchase price.
Closing costs + prepaids$11,373Not just lender fees.
Before credits & paid funds$31,082The complete starting cash picture.
Estimated remaining funds due at closing
$31,082No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,709.23
Your down payment$19,709.23
Closing costs + prepaids$11,373.16
Total buyer cash needed$31,082.39
Remaining funds due$31,082.39
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)$937.50
Initial HOA (3 months)$32.49
Prepaid interest, first (24 days)$1,188.17
Fees + prepaids$11,373.16
Your down payment is the seller’s equity. You take over the $279,291 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $31,082.39 is due at closing. Uses and sources reconcile at $310,373.16 each. Not a Closing Disclosure.