Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$55,105Cash toward the purchase price.
Closing costs + prepaids$11,020Not just lender fees.
Before credits & paid funds$66,125The complete starting cash picture.
Estimated remaining funds due at closing
$66,125No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,104.84
Your down payment$55,104.84
Closing costs + prepaids$11,020.44
Total buyer cash needed$66,125.29
Remaining funds due$66,125.29
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)$385.25
Prepaid interest, first (31 days)$1,410.19
Fees + prepaids$11,020.44
Your down payment is the seller’s equity. You take over the $244,895 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $66,125.29 is due at closing. Uses and sources reconcile at $311,020.44 each. Not a Closing Disclosure.