Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$65,567Cash toward the purchase price.
Closing costs + prepaids$11,011Not just lender fees.
Before credits & paid funds$76,578The complete starting cash picture.
Estimated remaining funds due at closing
$76,578No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,566.92
Your down payment$65,566.92
Closing costs + prepaids$11,011.17
Total buyer cash needed$76,578.09
Remaining funds due$76,578.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.99
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)$360.00
Initial HOA (3 months)$1,215.00
Prepaid interest, first (12 days)$211.18
Fees + prepaids$11,011.17
Your down payment is the seller’s equity. You take over the $234,432 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $76,578.09 is due at closing. Uses and sources reconcile at $311,010.17 each. Not a Closing Disclosure.