Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$26,281Cash toward the purchase price.
Closing costs + prepaids$10,557Not just lender fees.
Before credits & paid funds$36,837The complete starting cash picture.
Estimated remaining funds due at closing
$36,837No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,280.65
Your down payment$26,280.65
Closing costs + prepaids$10,556.51
Total buyer cash needed$36,837.15
Remaining funds due$36,837.15
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)$562.25
Prepaid interest, first (15 days)$770.26
Fees + prepaids$10,556.51
Your down payment is the seller’s equity. You take over the $273,619 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $36,837.15 is due at closing. Uses and sources reconcile at $310,456.51 each. Not a Closing Disclosure.