Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$50,537Cash toward the purchase price.
Closing costs + prepaids$11,031Not just lender fees.
Before credits & paid funds$61,568The complete starting cash picture.
Estimated remaining funds due at closing
$61,568No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,537.11
Your down payment$50,537.11
Closing costs + prepaids$11,030.77
Total buyer cash needed$61,567.88
Remaining funds due$61,567.88
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)$360.00
Initial HOA (3 months)$1,200.00
Prepaid interest, first (12 days)$246.77
Fees + prepaids$11,030.77
Your down payment is the seller’s equity. You take over the $249,363 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $61,567.88 is due at closing. Uses and sources reconcile at $310,930.77 each. Not a Closing Disclosure.