Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$55,842Cash toward the purchase price.
Closing costs + prepaids$9,798Not just lender fees.
Before credits & paid funds$65,640The complete starting cash picture.
Estimated remaining funds due at closing
$65,640No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,842.15
Your down payment$55,842.15
Closing costs + prepaids$9,797.63
Total buyer cash needed$65,639.79
Remaining funds due$65,639.79
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)$360.00
Prepaid interest, first (9 days)$213.63
Fees + prepaids$9,797.63
Your down payment is the seller’s equity. You take over the $244,058 balance, so the rest of the $299,900 price is paid at closing. A second mortgage can cover part of it. $65,639.79 is due at closing. Uses and sources reconcile at $309,697.63 each. Not a Closing Disclosure.