Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$74,977Cash toward the purchase price.
Closing costs + prepaids$10,485Not just lender fees.
Before credits & paid funds$85,462The complete starting cash picture.
Estimated remaining funds due at closing
$85,462No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,976.95
Your down payment$74,976.95
Closing costs + prepaids$10,484.81
Total buyer cash needed$85,461.75
Remaining funds due$85,461.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,990.00
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)$194.25
Prepaid interest, first (26 days)$1,075.56
Fees + prepaids$10,484.81
Your down payment is the seller’s equity. You take over the $224,023 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $85,461.75 is due at closing. Uses and sources reconcile at $309,484.81 each. Not a Closing Disclosure.