Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$2,338Cash toward the purchase price.
Closing costs + prepaids$9,751Not just lender fees.
Before credits & paid funds$12,089The complete starting cash picture.
Estimated remaining funds due at closing
$12,089No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,338.33
Your down payment$2,338.33
Closing costs + prepaids$9,751.08
Total buyer cash needed$12,089.41
Remaining funds due$12,089.41
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)$207.00
Initial HOA (3 months)$273.00
Prepaid interest, first (1 days)$56.08
Fees + prepaids$9,751.08
Your down payment is the seller’s equity. You take over the $296,662 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $12,089.41 is due at closing. Uses and sources reconcile at $308,751.08 each. Not a Closing Disclosure.