Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$59,103Cash toward the purchase price.
Closing costs + prepaids$10,840Not just lender fees.
Before credits & paid funds$69,943The complete starting cash picture.
Estimated remaining funds due at closing
$69,943No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,102.95
Your down payment$59,102.95
Closing costs + prepaids$10,840.21
Total buyer cash needed$69,943.17
Remaining funds due$69,943.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,998.00
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)$1,267.00
Initial HOA (3 months)$315.00
Prepaid interest, first (2 days)$35.21
Fees + prepaids$10,840.21
Your down payment is the seller’s equity. You take over the $240,697 balance, so the rest of the $299,800 price is paid at closing. A second mortgage can cover part of it. $69,943.17 is due at closing. Uses and sources reconcile at $310,640.21 each. Not a Closing Disclosure.