Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$56,615Cash toward the purchase price.
Closing costs + prepaids$11,464Not just lender fees.
Before credits & paid funds$68,079The complete starting cash picture.
Estimated remaining funds due at closing
$68,079No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,614.93
Your down payment$56,614.93
Closing costs + prepaids$11,463.76
Total buyer cash needed$68,078.69
Remaining funds due$68,078.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,000.00
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)$391.00
Initial HOA (3 months)$1,386.00
Prepaid interest, first (25 days)$461.76
Fees + prepaids$11,463.76
Your down payment is the seller’s equity. You take over the $243,385 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $68,078.69 is due at closing. Uses and sources reconcile at $311,463.76 each. Not a Closing Disclosure.