Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$80,940Cash toward the purchase price.
Closing costs + prepaids$10,565Not just lender fees.
Before credits & paid funds$91,505The complete starting cash picture.
Estimated remaining funds due at closing
$91,505No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,940.14
Your down payment$80,940.14
Closing costs + prepaids$10,564.80
Total buyer cash needed$91,504.94
Remaining funds due$91,504.94
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)$97.00
Prepaid interest, first (30 days)$1,252.80
Fees + prepaids$10,564.80
Your down payment is the seller’s equity. You take over the $218,060 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $91,504.94 is due at closing. Uses and sources reconcile at $309,564.80 each. Not a Closing Disclosure.