Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$61,084Cash toward the purchase price.
Closing costs + prepaids$11,846Not just lender fees.
Before credits & paid funds$72,930The complete starting cash picture.
Estimated remaining funds due at closing
$72,930No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,084.13
Your down payment$61,084.13
Closing costs + prepaids$11,845.98
Total buyer cash needed$72,930.11
Remaining funds due$72,930.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,040.00
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)$1,261.25
Prepaid interest, first (30 days)$1,319.73
Fees + prepaids$11,845.98
Your down payment is the seller’s equity. You take over the $242,916 balance, so the rest of the $304,000 price is paid at closing. A second mortgage can cover part of it. $72,930.11 is due at closing. Uses and sources reconcile at $315,845.98 each. Not a Closing Disclosure.