Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$11,114Cash toward the purchase price.
Closing costs + prepaids$10,082Not just lender fees.
Before credits & paid funds$21,196The complete starting cash picture.
Estimated remaining funds due at closing
$21,196No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,114.31
Your down payment$11,114.31
Closing costs + prepaids$10,082.15
Total buyer cash needed$21,196.46
Remaining funds due$21,196.46
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)$250.75
Initial HOA (3 months)$594.00
Prepaid interest, first (1 days)$22.40
Fees + prepaids$10,082.15
Your down payment is the seller’s equity. You take over the $287,886 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $21,196.46 is due at closing. Uses and sources reconcile at $309,082.15 each. Not a Closing Disclosure.