Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$57,206Cash toward the purchase price.
Closing costs + prepaids$10,690Not just lender fees.
Before credits & paid funds$67,896The complete starting cash picture.
Estimated remaining funds due at closing
$67,896No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,205.68
Your down payment$57,205.68
Closing costs + prepaids$10,690.25
Total buyer cash needed$67,895.93
Remaining funds due$67,895.93
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)$441.75
Prepaid interest, first (24 days)$1,024.50
Fees + prepaids$10,690.25
Your down payment is the seller’s equity. You take over the $242,694 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $67,895.93 is due at closing. Uses and sources reconcile at $310,590.25 each. Not a Closing Disclosure.