Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$289,753Cash toward the purchase price.
Closing costs + prepaids$10,793Not just lender fees.
Before credits & paid funds$300,546The complete starting cash picture.
Estimated remaining funds due at closing
$300,546No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$289,753.02
Your down payment$289,753.02
Closing costs + prepaids$10,793.10
Total buyer cash needed$300,546.13
Remaining funds due$300,546.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,990.00
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)$1,206.00
Prepaid interest, first (7 days)$13.35
Fees + prepaids$10,793.10
Your down payment is the seller’s equity. You take over the $9,247 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $300,546.13 is due at closing. Uses and sources reconcile at $309,793.10 each. Not a Closing Disclosure.