Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$74,292Cash toward the purchase price.
Closing costs + prepaids$11,328Not just lender fees.
Before credits & paid funds$85,620The complete starting cash picture.
Estimated remaining funds due at closing
$85,620No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,291.92
Your down payment$74,291.92
Closing costs + prepaids$11,327.59
Total buyer cash needed$85,619.51
Remaining funds due$85,619.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.00
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)$749.75
Initial HOA (3 months)$1,317.00
Prepaid interest, first (2 days)$36.84
Fees + prepaids$11,327.59
Your down payment is the seller’s equity. You take over the $225,608 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $85,619.51 is due at closing. Uses and sources reconcile at $311,227.59 each. Not a Closing Disclosure.