Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$71,601Cash toward the purchase price.
Closing costs + prepaids$10,865Not just lender fees.
Before credits & paid funds$82,466The complete starting cash picture.
Estimated remaining funds due at closing
$82,466No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,601.09
Your down payment$71,601.09
Closing costs + prepaids$10,864.85
Total buyer cash needed$82,465.93
Remaining funds due$82,465.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,959.99
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)$760.75
Prepaid interest, first (23 days)$919.11
Fees + prepaids$10,864.85
Your down payment is the seller’s equity. You take over the $224,398 balance, so the rest of the $295,999 price is paid at closing. A second mortgage can cover part of it. $82,465.93 is due at closing. Uses and sources reconcile at $306,863.85 each. Not a Closing Disclosure.