Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$60,030Cash toward the purchase price.
Closing costs + prepaids$11,914Not just lender fees.
Before credits & paid funds$71,944The complete starting cash picture.
Estimated remaining funds due at closing
$71,944No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,029.89
Your down payment$60,029.89
Closing costs + prepaids$11,914.30
Total buyer cash needed$71,944.19
Remaining funds due$71,944.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,995.00
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)$2,115.25
Initial HOA (3 months)$36.99
Prepaid interest, first (27 days)$542.06
Fees + prepaids$11,914.30
Your down payment is the seller’s equity. You take over the $239,470 balance, so the rest of the $299,500 price is paid at closing. A second mortgage can cover part of it. $71,944.19 is due at closing. Uses and sources reconcile at $311,414.30 each. Not a Closing Disclosure.