Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$60,767Cash toward the purchase price.
Closing costs + prepaids$11,112Not just lender fees.
Before credits & paid funds$71,878The complete starting cash picture.
Estimated remaining funds due at closing
$71,878No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,766.51
Your down payment$60,766.51
Closing costs + prepaids$11,111.52
Total buyer cash needed$71,878.03
Remaining funds due$71,878.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,065.00
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)$466.75
Initial HOA (3 months)$252.00
Prepaid interest, first (26 days)$1,102.77
Fees + prepaids$11,111.52
Your down payment is the seller’s equity. You take over the $245,733 balance, so the rest of the $306,500 price is paid at closing. A second mortgage can cover part of it. $71,878.03 is due at closing. Uses and sources reconcile at $317,611.52 each. Not a Closing Disclosure.