Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$71,238Cash toward the purchase price.
Closing costs + prepaids$10,133Not just lender fees.
Before credits & paid funds$81,371The complete starting cash picture.
Estimated remaining funds due at closing
$81,371No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,238.13
Your down payment$71,238.13
Closing costs + prepaids$10,132.96
Total buyer cash needed$81,371.10
Remaining funds due$81,371.10
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)$471.75
Prepaid interest, first (24 days)$436.21
Fees + prepaids$10,132.96
Your down payment is the seller’s equity. You take over the $228,762 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $81,371.10 is due at closing. Uses and sources reconcile at $310,132.96 each. Not a Closing Disclosure.