Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$66,980Cash toward the purchase price.
Closing costs + prepaids$12,291Not just lender fees.
Before credits & paid funds$79,271The complete starting cash picture.
Estimated remaining funds due at closing
$79,271No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,979.87
Your down payment$66,979.87
Closing costs + prepaids$12,291.05
Total buyer cash needed$79,270.92
Remaining funds due$79,270.92
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)$1,986.75
Prepaid interest, first (27 days)$1,080.30
Fees + prepaids$12,291.05
Your down payment is the seller’s equity. You take over the $232,920 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $79,270.92 is due at closing. Uses and sources reconcile at $312,191.05 each. Not a Closing Disclosure.