Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$2,500Cash toward the purchase price.
Closing costs + prepaids$10,066Not just lender fees.
Before credits & paid funds$12,567The complete starting cash picture.
Estimated remaining funds due at closing
$12,567No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,500.45
Your down payment$2,500.45
Closing costs + prepaids$10,066.22
Total buyer cash needed$12,566.67
Remaining funds due$12,566.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.99
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)$511.50
Initial HOA (3 months)$273.00
Prepaid interest, first (1 days)$56.73
Fees + prepaids$10,066.22
Your down payment is the seller’s equity. You take over the $297,499 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $12,566.67 is due at closing. Uses and sources reconcile at $310,065.22 each. Not a Closing Disclosure.