Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$36,637Cash toward the purchase price.
Closing costs + prepaids$11,427Not just lender fees.
Before credits & paid funds$48,063The complete starting cash picture.
Estimated remaining funds due at closing
$48,063No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,636.85
Your down payment$36,636.85
Closing costs + prepaids$11,426.53
Total buyer cash needed$48,063.39
Remaining funds due$48,063.39
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)$933.50
Prepaid interest, first (28 days)$1,278.03
Fees + prepaids$11,426.53
Your down payment is the seller’s equity. You take over the $262,363 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $48,063.39 is due at closing. Uses and sources reconcile at $310,426.53 each. Not a Closing Disclosure.