Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$36,637Cash toward the purchase price.
Closing costs + prepaids$10,970Not just lender fees.
Before credits & paid funds$47,607The complete starting cash picture.
Estimated remaining funds due at closing
$47,607No 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$10,970.09
Total buyer cash needed$47,606.95
Remaining funds due$47,606.95
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 (18 days)$821.59
Fees + prepaids$10,970.09
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. $47,606.95 is due at closing. Uses and sources reconcile at $309,970.09 each. Not a Closing Disclosure.