Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$64,439Cash toward the purchase price.
Closing costs + prepaids$9,870Not just lender fees.
Before credits & paid funds$74,309The complete starting cash picture.
Estimated remaining funds due at closing
$74,309No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,439.01
Your down payment$64,439.01
Closing costs + prepaids$9,869.57
Total buyer cash needed$74,308.58
Remaining funds due$74,308.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,050.00
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)$366.00
Prepaid interest, first (12 days)$228.57
Fees + prepaids$9,869.57
Your down payment is the seller’s equity. You take over the $240,561 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $74,308.58 is due at closing. Uses and sources reconcile at $314,869.57 each. Not a Closing Disclosure.