Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$74,128Cash toward the purchase price.
Closing costs + prepaids$10,180Not just lender fees.
Before credits & paid funds$84,308The complete starting cash picture.
Estimated remaining funds due at closing
$84,308No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,128.03
Your down payment$74,128.03
Closing costs + prepaids$10,179.64
Total buyer cash needed$84,307.67
Remaining funds due$84,307.67
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)$538.00
Prepaid interest, first (25 days)$426.64
Fees + prepaids$10,179.64
Your down payment is the seller’s equity. You take over the $224,872 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $84,307.67 is due at closing. Uses and sources reconcile at $309,179.64 each. Not a Closing Disclosure.