Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$66,969Cash toward the purchase price.
Closing costs + prepaids$11,016Not just lender fees.
Before credits & paid funds$77,985The complete starting cash picture.
Estimated remaining funds due at closing
$77,985No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,968.90
Your down payment$66,968.90
Closing costs + prepaids$11,015.64
Total buyer cash needed$77,984.54
Remaining funds due$77,984.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,949.00
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)$757.50
Prepaid interest, first (27 days)$1,084.14
Fees + prepaids$11,015.64
Your down payment is the seller’s equity. You take over the $227,931 balance, so the rest of the $294,900 price is paid at closing. A second mortgage can cover part of it. $77,984.54 is due at closing. Uses and sources reconcile at $305,915.64 each. Not a Closing Disclosure.