Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$23,980Cash toward the purchase price.
Closing costs + prepaids$11,833Not just lender fees.
Before credits & paid funds$35,813The complete starting cash picture.
Estimated remaining funds due at closing
$35,813No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,979.78
Your down payment$23,979.78
Closing costs + prepaids$11,832.86
Total buyer cash needed$35,812.64
Remaining funds due$35,812.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,994.00
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)$176.50
Initial HOA (3 months)$828.00
Prepaid interest, first (31 days)$1,609.36
Fees + prepaids$11,832.86
Your down payment is the seller’s equity. You take over the $275,420 balance, so the rest of the $299,400 price is paid at closing. A second mortgage can cover part of it. $35,812.64 is due at closing. Uses and sources reconcile at $311,232.86 each. Not a Closing Disclosure.