Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$66,672Cash toward the purchase price.
Closing costs + prepaids$11,039Not just lender fees.
Before credits & paid funds$77,711The complete starting cash picture.
Estimated remaining funds due at closing
$77,711No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,672.45
Your down payment$66,672.45
Closing costs + prepaids$11,038.65
Total buyer cash needed$77,711.10
Remaining funds due$77,711.10
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)$1,270.75
Prepaid interest, first (28 days)$543.90
Fees + prepaids$11,038.65
Your down payment is the seller’s equity. You take over the $233,228 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $77,711.10 is due at closing. Uses and sources reconcile at $310,938.65 each. Not a Closing Disclosure.