Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$55,360Cash toward the purchase price.
Closing costs + prepaids$11,021Not just lender fees.
Before credits & paid funds$66,381The complete starting cash picture.
Estimated remaining funds due at closing
$66,381No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,359.50
Your down payment$55,359.50
Closing costs + prepaids$11,021.31
Total buyer cash needed$66,380.81
Remaining funds due$66,380.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,998.90
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)$549.00
Initial HOA (3 months)$675.00
Prepaid interest, first (27 days)$573.41
Fees + prepaids$11,021.31
Your down payment is the seller’s equity. You take over the $244,530 balance, so the rest of the $299,890 price is paid at closing. A second mortgage can cover part of it. $66,380.81 is due at closing. Uses and sources reconcile at $310,911.31 each. Not a Closing Disclosure.