Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$61,378Cash toward the purchase price.
Closing costs + prepaids$10,980Not just lender fees.
Before credits & paid funds$72,357The complete starting cash picture.
Estimated remaining funds due at closing
$72,357No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,377.56
Your down payment$61,377.56
Closing costs + prepaids$10,979.81
Total buyer cash needed$72,357.37
Remaining funds due$72,357.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,000.00
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)$1,280.50
Initial HOA (3 months)$24.00
Prepaid interest, first (24 days)$450.31
Fees + prepaids$10,979.81
Your down payment is the seller’s equity. You take over the $238,622 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $72,357.37 is due at closing. Uses and sources reconcile at $310,979.81 each. Not a Closing Disclosure.