Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$54,443Cash toward the purchase price.
Closing costs + prepaids$11,748Not just lender fees.
Before credits & paid funds$66,191The complete starting cash picture.
Estimated remaining funds due at closing
$66,191No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,443.03
Your down payment$54,443.03
Closing costs + prepaids$11,747.92
Total buyer cash needed$66,190.96
Remaining funds due$66,190.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.90
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)$544.75
Initial HOA (3 months)$1,386.00
Prepaid interest, first (31 days)$592.27
Fees + prepaids$11,747.92
Your down payment is the seller’s equity. You take over the $245,547 balance, so the rest of the $299,990 price is paid at closing. A second mortgage can cover part of it. $66,190.96 is due at closing. Uses and sources reconcile at $311,737.92 each. Not a Closing Disclosure.