Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$78,529Cash toward the purchase price.
Closing costs + prepaids$11,319Not just lender fees.
Before credits & paid funds$89,848The complete starting cash picture.
Estimated remaining funds due at closing
$89,848No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,529.24
Your down payment$78,529.24
Closing costs + prepaids$11,318.57
Total buyer cash needed$89,847.82
Remaining funds due$89,847.82
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)$706.50
Prepaid interest, first (30 days)$1,387.07
Fees + prepaids$11,318.57
Your down payment is the seller’s equity. You take over the $221,471 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $89,847.82 is due at closing. Uses and sources reconcile at $311,318.57 each. Not a Closing Disclosure.