Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$67,437Cash toward the purchase price.
Closing costs + prepaids$10,151Not just lender fees.
Before credits & paid funds$77,588The complete starting cash picture.
Estimated remaining funds due at closing
$77,588No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,437.31
Your down payment$67,437.31
Closing costs + prepaids$10,150.61
Total buyer cash needed$77,587.93
Remaining funds due$77,587.93
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)$287.00
Initial HOA (3 months)$600.00
Prepaid interest, first (2 days)$38.61
Fees + prepaids$10,150.61
Your down payment is the seller’s equity. You take over the $232,563 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $77,587.93 is due at closing. Uses and sources reconcile at $310,150.61 each. Not a Closing Disclosure.