Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$19,520Cash toward the purchase price.
Closing costs + prepaids$11,328Not just lender fees.
Before credits & paid funds$30,848The complete starting cash picture.
Estimated remaining funds due at closing
$30,848No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,519.92
Your down payment$19,519.92
Closing costs + prepaids$11,328.40
Total buyer cash needed$30,848.32
Remaining funds due$30,848.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.99
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)$952.50
Initial HOA (3 months)$42.75
Prepaid interest, first (23 days)$1,108.16
Fees + prepaids$11,328.40
Your down payment is the seller’s equity. You take over the $280,479 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $30,848.32 is due at closing. Uses and sources reconcile at $311,327.40 each. Not a Closing Disclosure.