Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$11,592Cash toward the purchase price.
Closing costs + prepaids$12,117Not just lender fees.
Before credits & paid funds$23,708The complete starting cash picture.
Estimated remaining funds due at closing
$23,708No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,591.65
Your down payment$11,591.65
Closing costs + prepaids$12,116.74
Total buyer cash needed$23,708.39
Remaining funds due$23,708.39
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)$995.25
Initial HOA (3 months)$480.00
Prepaid interest, first (28 days)$1,426.49
Fees + prepaids$12,116.74
Your down payment is the seller’s equity. You take over the $287,408 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $23,708.39 is due at closing. Uses and sources reconcile at $311,116.74 each. Not a Closing Disclosure.