Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$58,413Cash toward the purchase price.
Closing costs + prepaids$10,018Not just lender fees.
Before credits & paid funds$68,431The complete starting cash picture.
Estimated remaining funds due at closing
$68,431No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,413.00
Your down payment$58,413.00
Closing costs + prepaids$10,017.78
Total buyer cash needed$68,430.79
Remaining funds due$68,430.79
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)$778.00
Prepaid interest, first (1 days)$24.78
Fees + prepaids$10,017.78
Your down payment is the seller’s equity. You take over the $240,587 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $68,430.79 is due at closing. Uses and sources reconcile at $309,017.78 each. Not a Closing Disclosure.