Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$55,105Cash toward the purchase price.
Closing costs + prepaids$10,131Not just lender fees.
Before credits & paid funds$65,236The complete starting cash picture.
Estimated remaining funds due at closing
$65,236No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,104.84
Your down payment$55,104.84
Closing costs + prepaids$10,130.88
Total buyer cash needed$65,235.72
Remaining funds due$65,235.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,000.00
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)$360.00
Prepaid interest, first (12 days)$545.88
Fees + prepaids$10,130.88
Your down payment is the seller’s equity. You take over the $244,895 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $65,235.72 is due at closing. Uses and sources reconcile at $310,130.88 each. Not a Closing Disclosure.