Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$19,145Cash toward the purchase price.
Closing costs + prepaids$11,181Not just lender fees.
Before credits & paid funds$30,326The complete starting cash picture.
Estimated remaining funds due at closing
$30,326No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,145.07
Your down payment$19,145.07
Closing costs + prepaids$11,180.51
Total buyer cash needed$30,325.58
Remaining funds due$30,325.58
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)$373.25
Initial HOA (3 months)$639.00
Prepaid interest, first (18 days)$944.26
Fees + prepaids$11,180.51
Your down payment is the seller’s equity. You take over the $280,755 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $30,325.58 is due at closing. Uses and sources reconcile at $311,080.51 each. Not a Closing Disclosure.