Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$54,849Cash toward the purchase price.
Closing costs + prepaids$9,656Not just lender fees.
Before credits & paid funds$64,505The complete starting cash picture.
Estimated remaining funds due at closing
$64,505No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,849.24
Your down payment$54,849.24
Closing costs + prepaids$9,656.04
Total buyer cash needed$64,505.28
Remaining funds due$64,505.28
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)$385.50
Prepaid interest, first (1 days)$45.54
Fees + prepaids$9,656.04
Your down payment is the seller’s equity. You take over the $245,151 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $64,505.28 is due at closing. Uses and sources reconcile at $309,656.04 each. Not a Closing Disclosure.