Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$18,625Cash toward the purchase price.
Closing costs + prepaids$10,162Not just lender fees.
Before credits & paid funds$28,787The complete starting cash picture.
Estimated remaining funds due at closing
$28,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,625.06
Your down payment$18,625.06
Closing costs + prepaids$10,161.96
Total buyer cash needed$28,787.02
Remaining funds due$28,787.02
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
Prepaid interest, first (10 days)$577.96
Fees + prepaids$10,161.96
Your down payment is the seller’s equity. You take over the $281,275 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $28,787.02 is due at closing. Uses and sources reconcile at $310,061.96 each. Not a Closing Disclosure.