Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$69,798Cash toward the purchase price.
Closing costs + prepaids$10,681Not just lender fees.
Before credits & paid funds$80,479The complete starting cash picture.
Estimated remaining funds due at closing
$80,479No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,798.45
Your down payment$69,798.45
Closing costs + prepaids$10,680.70
Total buyer cash needed$80,479.16
Remaining funds due$80,479.16
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)$414.25
Prepaid interest, first (24 days)$1,042.45
Fees + prepaids$10,680.70
Your down payment is the seller’s equity. You take over the $230,102 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $80,479.16 is due at closing. Uses and sources reconcile at $310,580.70 each. Not a Closing Disclosure.