Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$62,819Cash toward the purchase price.
Closing costs + prepaids$11,003Not just lender fees.
Before credits & paid funds$73,822The complete starting cash picture.
Estimated remaining funds due at closing
$73,822No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,819.22
Your down payment$62,819.22
Closing costs + prepaids$11,003.21
Total buyer cash needed$73,822.44
Remaining funds due$73,822.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.00
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)$873.50
Prepaid interest, first (28 days)$905.71
Fees + prepaids$11,003.21
Your down payment is the seller’s equity. You take over the $237,081 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $73,822.44 is due at closing. Uses and sources reconcile at $310,903.21 each. Not a Closing Disclosure.