Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$64,439Cash toward the purchase price.
Closing costs + prepaids$9,774Not just lender fees.
Before credits & paid funds$74,213The complete starting cash picture.
Estimated remaining funds due at closing
$74,213No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,439.01
Your down payment$64,439.01
Closing costs + prepaids$9,774.33
Total buyer cash needed$74,213.34
Remaining funds due$74,213.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,050.00
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)$366.00
Prepaid interest, first (7 days)$133.33
Fees + prepaids$9,774.33
Your down payment is the seller’s equity. You take over the $240,561 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $74,213.34 is due at closing. Uses and sources reconcile at $314,774.33 each. Not a Closing Disclosure.