Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$83,232Cash toward the purchase price.
Closing costs + prepaids$10,687Not just lender fees.
Before credits & paid funds$93,919The complete starting cash picture.
Estimated remaining funds due at closing
$93,919No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,232.29
Your down payment$83,232.29
Closing costs + prepaids$10,686.71
Total buyer cash needed$93,919.00
Remaining funds due$93,919.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,000.00
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)$1,069.75
Prepaid interest, first (22 days)$391.96
Fees + prepaids$10,686.71
Your down payment is the seller’s equity. You take over the $216,768 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $93,919.00 is due at closing. Uses and sources reconcile at $310,686.71 each. Not a Closing Disclosure.