Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$72,967Cash toward the purchase price.
Closing costs + prepaids$12,371Not just lender fees.
Before credits & paid funds$85,338The complete starting cash picture.
Estimated remaining funds due at closing
$85,338No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,966.93
Your down payment$72,966.93
Closing costs + prepaids$12,370.63
Total buyer cash needed$85,337.55
Remaining funds due$85,337.55
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)$1,167.25
Initial HOA (3 months)$885.00
Prepaid interest, first (26 days)$1,094.38
Fees + prepaids$12,370.63
Your down payment is the seller’s equity. You take over the $226,933 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $85,337.55 is due at closing. Uses and sources reconcile at $312,270.63 each. Not a Closing Disclosure.