Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$55,898Cash toward the purchase price.
Closing costs + prepaids$10,403Not just lender fees.
Before credits & paid funds$66,301The complete starting cash picture.
Estimated remaining funds due at closing
$66,301No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,898.24
Your down payment$55,898.24
Closing costs + prepaids$10,402.56
Total buyer cash needed$66,300.80
Remaining funds due$66,300.80
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)$313.25
Prepaid interest, first (18 days)$864.32
Fees + prepaids$10,402.56
Your down payment is the seller’s equity. You take over the $244,101 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $66,300.80 is due at closing. Uses and sources reconcile at $310,401.56 each. Not a Closing Disclosure.