Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$74,804Cash toward the purchase price.
Closing costs + prepaids$11,713Not just lender fees.
Before credits & paid funds$86,517The complete starting cash picture.
Estimated remaining funds due at closing
$86,517No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,804.01
Your down payment$74,804.01
Closing costs + prepaids$11,713.44
Total buyer cash needed$86,517.44
Remaining funds due$86,517.44
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)$749.75
Initial HOA (3 months)$1,317.00
Prepaid interest, first (23 days)$422.69
Fees + prepaids$11,713.44
Your down payment is the seller’s equity. You take over the $225,096 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $86,517.44 is due at closing. Uses and sources reconcile at $311,613.44 each. Not a Closing Disclosure.