Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$60,001Cash toward the purchase price.
Closing costs + prepaids$11,325Not just lender fees.
Before credits & paid funds$71,326The complete starting cash picture.
Estimated remaining funds due at closing
$71,326No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,000.85
Your down payment$60,000.85
Closing costs + prepaids$11,325.13
Total buyer cash needed$71,325.98
Remaining funds due$71,325.98
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)$1,050.50
Prepaid interest, first (23 days)$1,050.63
Fees + prepaids$11,325.13
Your down payment is the seller’s equity. You take over the $239,899 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $71,325.98 is due at closing. Uses and sources reconcile at $311,225.13 each. Not a Closing Disclosure.