Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$38,677Cash toward the purchase price.
Closing costs + prepaids$11,154Not just lender fees.
Before credits & paid funds$49,832The complete starting cash picture.
Estimated remaining funds due at closing
$49,832No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,677.38
Your down payment$38,677.38
Closing costs + prepaids$11,154.12
Total buyer cash needed$49,831.50
Remaining funds due$49,831.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.90
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)$13.00
Initial HOA (3 months)$447.00
Prepaid interest, first (31 days)$1,469.22
Fees + prepaids$11,154.12
Your down payment is the seller’s equity. You take over the $261,313 balance, so the rest of the $299,990 price is paid at closing. A second mortgage can cover part of it. $49,831.50 is due at closing. Uses and sources reconcile at $311,144.12 each. Not a Closing Disclosure.