Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$23,480Cash toward the purchase price.
Closing costs + prepaids$10,920Not just lender fees.
Before credits & paid funds$34,400The complete starting cash picture.
Estimated remaining funds due at closing
$34,400No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,479.78
Your down payment$23,479.78
Closing costs + prepaids$10,919.90
Total buyer cash needed$34,399.68
Remaining funds due$34,399.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,989.00
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)$358.75
Initial HOA (3 months)$828.00
Prepaid interest, first (10 days)$519.15
Fees + prepaids$10,919.90
Your down payment is the seller’s equity. You take over the $275,420 balance, so the rest of the $298,900 price is paid at closing. A second mortgage can cover part of it. $34,399.68 is due at closing. Uses and sources reconcile at $309,819.90 each. Not a Closing Disclosure.