Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$59,411Cash toward the purchase price.
Closing costs + prepaids$10,543Not just lender fees.
Before credits & paid funds$69,953The complete starting cash picture.
Estimated remaining funds due at closing
$69,953No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,410.58
Your down payment$59,410.58
Closing costs + prepaids$10,542.62
Total buyer cash needed$69,953.20
Remaining funds due$69,953.20
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)$783.75
Prepaid interest, first (22 days)$534.87
Fees + prepaids$10,542.62
Your down payment is the seller’s equity. You take over the $240,489 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $69,953.20 is due at closing. Uses and sources reconcile at $310,442.62 each. Not a Closing Disclosure.