Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$56,152Cash toward the purchase price.
Closing costs + prepaids$10,489Not just lender fees.
Before credits & paid funds$66,641The complete starting cash picture.
Estimated remaining funds due at closing
$66,641No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,152.15
Your down payment$56,152.15
Closing costs + prepaids$10,488.74
Total buyer cash needed$66,640.89
Remaining funds due$66,640.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.00
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)$556.50
Initial HOA (3 months)$216.00
Prepaid interest, first (27 days)$492.24
Fees + prepaids$10,488.74
Your down payment is the seller’s equity. You take over the $243,748 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $66,640.89 is due at closing. Uses and sources reconcile at $310,388.74 each. Not a Closing Disclosure.