Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$66,005Cash toward the purchase price.
Closing costs + prepaids$11,028Not just lender fees.
Before credits & paid funds$77,034The complete starting cash picture.
Estimated remaining funds due at closing
$77,034No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,005.49
Your down payment$66,005.49
Closing costs + prepaids$11,028.38
Total buyer cash needed$77,033.88
Remaining funds due$77,033.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,990.00
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)$557.00
Prepaid interest, first (26 days)$1,256.38
Fees + prepaids$11,028.38
Your down payment is the seller’s equity. You take over the $232,995 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $77,033.88 is due at closing. Uses and sources reconcile at $310,028.38 each. Not a Closing Disclosure.