Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$55,652Cash toward the purchase price.
Closing costs + prepaids$10,577Not just lender fees.
Before credits & paid funds$66,228The complete starting cash picture.
Estimated remaining funds due at closing
$66,228No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,651.63
Your down payment$55,651.63
Closing costs + prepaids$10,576.64
Total buyer cash needed$66,228.27
Remaining funds due$66,228.27
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)$133.25
Prepaid interest, first (28 days)$1,218.39
Fees + prepaids$10,576.64
Your down payment is the seller’s equity. You take over the $244,348 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $66,228.27 is due at closing. Uses and sources reconcile at $310,576.64 each. Not a Closing Disclosure.