Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$7,724Cash toward the purchase price.
Closing costs + prepaids$12,118Not just lender fees.
Before credits & paid funds$19,842The complete starting cash picture.
Estimated remaining funds due at closing
$19,842No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,723.98
Your down payment$7,723.98
Closing costs + prepaids$12,117.99
Total buyer cash needed$19,841.97
Remaining funds due$19,841.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.00
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)$586.25
Initial HOA (3 months)$945.00
Prepaid interest, first (28 days)$1,362.74
Fees + prepaids$12,117.99
Your down payment is the seller’s equity. You take over the $292,176 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $19,841.97 is due at closing. Uses and sources reconcile at $312,017.99 each. Not a Closing Disclosure.